milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-06-2016 about Student loan (Federal student loan servicing) with MOHELA (MI).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: My school recently closed due to misconduct, and basically false advertising, Unfortunately I completed my degree in 2010 but with no help from career services and a bunch of empty promises I am still unable to find a career in my field that pays more than XXXX an hour. I believe I was a victim in their practices especially when they started a XXXX degree program ( that was not up to par ). I was one of the first to be in the program, instructors were not prepared or not given the right tools to teach. We were promised crime scene investigations etc. what we got was reading a textbook and researching case law on google. It is an experience I wish I never had and now that they are closed what should I do?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/17/2017 about Debt collection (Medical debt) with First Federal Credit Control (OH).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Received letter from First Federal Credit Control on XX/XX/XXXX, attempted to call on XX/XX/XXXX and every two weeks after requesting proof of debt. Hospital they collect for has a poor billing system and I wanted to see this invoice and either provide proof of payment or pay immediately. 

Called number and agent provided in letter. Never get to her ever, left explicitly detailed voicemail every time. No return calls ever, no proof of debt ever provided, submitted to the credit bureau without attempting to resolve with me or give me a chance to settle.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2018 about Debt collection (Other debt) with Convergent Resources, Inc. (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I looked at my credit report in XX/XX/2017 and saw a collection from Convergent that was negatively impacting my credit. I was not certain if this account belonged to me. I sent a letter to Convergent on XX/XX/17 asking them to verify if this account did indeed belong to me. Convergent responded shortly after with an attachment from XXXX in which the debt was for. However, the amount in the attachment convergent sent me was less than what convergent is reporting to the credit bureaus that I owe. I believe this to be a violation.

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 12/20/2017 about Checking or savings account (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (SC).
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint: First off, the app is n't working for capital one. Everytime I try to access it i do the pattern that I set up and it acts like it 's getting me in but never does. It always brings me right back our, I tryour using my passocde instead, it brings me right back to the pattern. The app just sucks. So I 'm like okay, let 's do this online. So I go online, and every time I try to access my account it says that there is a error and to try again later. I 'm seconds away from applying to another bank.

Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2017 about Debt collection (Medical) with Kansas Counselors of Kansas City, Inc. (MO).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have disputed this several times which this account is unknown to me and have requested validation. I have heard nothing back. Please help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I saw incorrect info on my credit report about two years ago and filed a complaint. I stated that the time I was supposed to have applied for a credit card, I was living XXXX, but if I had been sleepwalking ( or flying ) they should show me where I signed. They did not answer or take the info from my report. I filed another report after many months and again they did n't react, So, here I am again. I recently applied for dental financing and was turned down. They sent me Trans Union address to complain. I tried to call, but only recorded instructions. Please help me. Thanks!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Have been trying to get accounts that were opened in my name without my knowledge or permission for over 2 years and Experian and XXXX refuse to remove/ investigate the accounts ... ..attached you will find police report and id theft affavaidt that was submitted involving accounts. Experian and XXXX keep sending letters advising that they will not re-investigate these account which isn't right ... FTC Report # : XXXX the account that need to be removed are XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX and 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 09/28/2015 about Credit card () with TD BANK US HOLDING COMPANY (CT).
Issue: Credit determination

Complaint: Pulled credit report without permission.

Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2017 about Debt collection (Other debt) with ERC (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: Debt collection was deleted earlier this year from XXXX XXXX for the amount of XXXX. Debt was sold and re-inserted without any proper notice by mail that it was being sold nor did the 5 day time frame take place. Debt is now appearing again on my credit report from " XXXX XXXX XXXX '' on XXXX and " XXXX XXXX XXXX '' on XXXX for the same amount of 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 11/27/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Streamline Recovery Inc (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: the original creditor stream elc account was and is part of a chapter XXXX bankruptcy they have sold the account to another Leander for the 3rd time XXXX

Company response to consumer: Untimely response
Consumer complaint received 09/16/2015 about Consumer Loan (Vehicle loan) with WELLS FARGO & COMPANY (ND).
Issue: Managing the loan or lease

Complaint: I pay my bills online every month. I authorized a payment on my auto loan to WELLS FARGO DEALER SERVICES on XXXX/XXXX/2015 which was paid. WFDS attempted to take a second payment on XXXX/XXXX/2015 which was returned and a {$28.00} overdraft fee was charged to my account. I did NOT authorize this payment. I spoke with WFDS and my Credit Union about this situation. On XXXX/XXXX/2015 WFDS put through the second unauthorized payment which overdrew my account again and I was assessed another {$28.00} fee. [ My checking account is with a different bank. ] I 'm on XXXX and get paid once a month. Now I 'm short for the rest of the month and neither bank will help me!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2017 about Mortgage (Conventional home mortgage) with Vitek Real Estate Industries Group, Inc. (CA).
Issue: Struggling to pay mortgage

Complaint: I have a 30 year fixed mortgage with XXXX XXXX XXXX. My normal payment increased over {$500.00} due to a new tax assessment. I recently started a new business and I am unable to afford to make the required mortgage. In XX/XX/XXXX I requested to work with Vitek Mortgage using their Loan Workout Program which offered a Loan Modification. At that time I mailed the required information to their office in New Jersey in mid - XX/XX/XXXX. I called customer service several times to verify if they had received the information. The package was received and sat in there mailroom for over a month. Finally in XX/XX/XXXX the information was moved out of the mailroom. Several documents were resubmitted at that time because the information had expired. I sent the requested information in with 48 hours of the request. That information included items like paystubs, bank statements and identification. After waiting another month, I called again to check on the status of the loan modification and was told that addition documents were needed. The requested were a Hardship Letter, a Profit and Loss Statement, and a Contribution letter from my wife. All of which was faxed and received by Vitek on XX/XX/XXXX. At that time, I was told that I needed to wait 30 days for a response from the Underwriter. I waited the required time and called again to customer service to get status on my loan modification. The representative that I spoke with told me that the Underwriter had not looked at my file and that they would escalate the matter. I have since " escalated '' this issue on three different occasions since XX/XX/XXXX and have yet to get a response from Vitek Mortgage.
According to Section 6 of the Real Estate Settlement Procedures Act this servicer has not complied with the requirements of this law and should be dealt with accordingly. I hope that you are able to help me with this mattter

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 08/24/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (TX).
Issue: Account opening, closing, or management

Complaint: I had been applying for loan online and had been getting call backs from them so when I got a phone call saying that I been approved that all they need to was verify my information so I gave them what they asked my for my online banking and the last XXXX of my SS they told me that frist they had to send money to make sure that my bank account was open and the next day I would have to send it back to them through XXXX so I did as they told me to do and they told me after I did the XXXX that within 45 mins I would have my loan well I wait to the next morning to see if I had got the money when I log on to make account it told me to call my bank and my bank to me that they we closeing my account because it looked like the money the loan people sent me for me to send it back was not there and they were closeing my account and I could no longer ever have banking with them again. The loan company they said they were was XXXX XXXX. When I told my bank this is what happen to me they said sorry but we cant help you. I had my account with chase bank

Company response to consumer: Closed with explanation
Consumer complaint received 10/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: There is an unauthorized inquiry on my credit report made by XXXX XXXX on XX/XX/16 that does not belong to me. I have spoken with the creditor who claims I must contact the credit bureau. When I speak with the credit bureau, I am told to speak with the creditor. This inquiry does NOT belong to me and is adversely affecting me.

Company response to consumer: Closed with explanation
Consumer complaint received 09-06-2017 about Debt collection (Medical debt) with Credence Resource Management, LLC (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: XXXX XXXX XXXX sent bills for an ambulance ride without any detail or explanation. By the time I got the requested detail, they had already turned the charge over to Credence Resource Management for collection. I disagree with the amount of the charges but am trying to settle the debt. I was working with a Credence representative on the phone and we agreed on a settlement. However, the representative, XXXX XXXX, refused to put our agreement in writing. When I continued to insist that our agreement be in writing, he got very aggressive and continued to refuse. Subsequently, on XXXX XXXX 2017, I sent written correspondence to Credence Resource Management but have received no response.

Company response to consumer: Closed with explanation
Consumer complaint received 08/27/2015 about Credit card () with UNITED SERVICES AUTOMOBILE ASSOCIATION (OH).
Issue: Closing/Cancelling account

Complaint: I called the general customer line. Stated that I wanted to cancel my credit card account. Was transferred to another person ( XXXX ) whose job is presumably to talk customers out of cancelling their accounts. Started off nice enough. She asked why I was cancelling my account. I replied that I did n't need the credit card anymore. She asked a few more probing questions before I finally told her that I simply wanted to cancel the card, my mind was made up, and that there was no way she was going to convince me otherwise. Her big " selling point '' was that closing my credit would negatively affect my credit score. She explicitly threatened that closing this credit card could prevent me from qualifying for a home mortgage loan or a car loan. I explained to her that I am attorney, I work for a bank, and that I understand how closing a credit card affects a consumer 's credit. She also explicitly stated that USAA was " looking out for [ my ] best interests. '' This is patently false. USAA makes money by keeping credit card accounts open. Still, for another XXXX minutes she refused to close my account. I asked to speak to her manager. She refused. I asked for her employee number. She refused. After another few minutes she finally relented and closed my account. The entire call took XXXX minutes. Should n't have taken more than XXXX. This whole exhange was expecially disapplointing because I have been a USAA member for nearly 15 years & have generally had positive experiences.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2016 about Consumer Loan (Vehicle loan) with KEYCORP (FL).
Issue: Managing the loan or lease

Complaint: Key bank, XXXX & XXXX are reporting incorrect : 1 ) That my last payment to Key bank is XXXX XXXX, and is not, my last payment is XXXX XXXX. 
2 ) I paid late fees in XXXX I was never late. Please have bank credit back fees. 
3 ) They show 30 days late XXXX, XXXX XXXX was not 30 days late please have them correct this is affecting me

Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2017 about Debt collection (I do not know) with Convergent Resources, Inc. (NC).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: Convergent reported a collection account on my report. Prior to reporting the account, I did not receive notice of my right to dispute.

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 03/19/2015 about Bank account or service (Checking account) with CITIBANK, N.A. (CA).
Issue: Account opening, closing, or management

Complaint: I had several checking/saving accounts with citibank, the fees for these accounts were waived since I also had a Citibank mortgage. Citibank changed this policy and started charging fees to my account. I received no notice of this change, there is no mention of this policy change on my recent statements or online in my account.

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2017 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX, XXXX, FL XXXX To Whom it May Concern : XXXX XXXX XXXX, TX XXXX Equifax XXXX XXXX, GA XXXX XXXX XXXX XXXX, PA XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 

XXXX XX/XX/XXXX XX/XX/XXXX XXXX 
XXXX XX/XX/XXXX XX/XX/XXXX XXXX 
XXXX XX/XX/XXXX XX/XX/XXXX XXXX 
XXXX XX/XX/XXXX XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX XX/XX/XXXX XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX XX/XX/XXXX XXXX Miscellaneous Reptg. Agencies XXXX XXXX XX/XX/XXXX XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX XX/XX/XXXX XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX XX/XX/XXXX XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX XX/XX/XXXX XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX XX/XX/XXXX XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XX/XX/XXXX XX/XX/XXXX XXXX 
XXXX XXXX XX/XX/XXXX XX/XX/XXXX Credit Unions XXXX XXXX XX/XX/XXXX XX/XX/XXXX Miscellaneous Reptg. Agencies Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2016 about Credit card () with UNITED SERVICES AUTOMOBILE ASSOCIATION (MI).
Issue: Delinquent account

Complaint: I had a credit card with USAA then they cancelled it. Acct no.XXXX was wondering what happened. Then I recieved a letter from Office of Personnel Management that my Identity had been breached, I have tried to contact them directly and through the Credit Bureau, But they say I owe some XXXX .... This is redicoulous

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2017 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: XXXX inquiries were made to my Experian credit report on XXXX XXXX that I did not authorize. They were all made on the same date and were initiated by a local auto dealership, XXXX XXXX XXXX XXXX. 

After a long dispute, XXXX XXXX confirmed that they were made erroneously and sent Experian a letter confirming that they were made in error. This was over a month ago. 

To this date, Experian has not removed the unauthorized inquiries from my credit and my score is being affected because of it. 

The first inquiry is under the name " XXXX XXXX '' on XXXX/XXXX/16. 

The second inquiry is under the name " XXXX XXXX '' on XXXX/XXXX/16. 

The third inquiry is under the name " XXXX XXXX XXXX '' on XXXX/XXXX/16. 

These all need to be removed from my report as soon as possible. 

I am attaching a copy of the letter that the creditor sent to Experian so they can review it once more. I do not understand why it has taken so long to remove these unauthorized inquiries.

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 04/23/2015 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (AL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have an account with Belks issued by Synchrony Bank. My credit limit is {$300.00}. Account balance is currently {$310.00}. Paid past due amount @ {$11.00}. Received call from agent with XXXX requesting a payment @ {$150.00} which has build up to include interest & finance charges. Informed agent that I 'm on a fixed income, have fallen behind in payments. Slowly getting back on track. Informed could make payment @ {$50.00} on the XXXX of XXXX at which time would receive my monthly XXXX payment. Agent informed that making a {$50.00} payment would do nothing to help the account after my informing this amount is least I can afford to send. Requested to do not call again on my cell/home phones & disconnected conversation. Willing to establish payment plan, but want my payment to reflect as a payment made toward balance. Synchrony Bank has a very bad method of collection. I am working very hard to pay off all accounts associated with them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/28/2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: XXXX credit card reporting a charge off and outstanding balance on my credit reports. XXXX and equifax. I have disputed info it was deleted and reinserted. Now showing balance due. This account was discharged in BK XXXX 2011. Company reports charge off and due as of XXXX 2011. Account should be deleted from my file and not reinserted this has happened approx. 3 times. XXXX refuses to report correct information.

Company response to consumer: Closed with explanation
Consumer complaint received 01-02-2018 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (GA).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: Wells Fargo is getting rich on the backs of poor, and unwilling victims. 


I have requested that transactions not be honored if inadequate funds in account. I wish not to accrue overdraft fees. I opted out of this service and am being charged these fees despite my objection to the service. 

I am being told that there is not option but I was asked if I wanted to decline tis service and have several times. I do not want transactions to clear where there are no funds available to cover the transaction. I do not wish to pay those overdraft fees.

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