milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/31/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (WI).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: As an employee of a state agency for the last 8 years, I have been counting on the federal loan forgiveness program. I consolidated my loans with an income sensitive repayment plan with this in mind in XXXX ( and made my intentions clear to XXXX XXXX ). In XXXX I submitted the eligibility form so I would receive updates on when the loan would be paid off. I received notification that I did n't have the correct loan type to qualify. My public service from XXXX - XXXX would not count toward my 10 years of public service loan forgiveness. In XXXX after receiving the ineligibility notice, I requested consolidation to the correct loan type. I was recently separated from my husband at the time, though not legally, and was told that I would have to include my estranged husband 's student loans in my consolidation. So my consolidation was put on the backburner for the 2 years the divorce proceeded. Within a week of the divorce being final in XXXX XXXX, I went to apply for the consolidation to qualify for loan forgiveness. The instructions said if I was divorced and my income changed ( compared to the prior year 's tax returns ), that I could not apply online and I needed to call to complete the application. When I called, they said to just put my current income and make a comment that the divorce was the reason for my income difference. Very unofficial, which makes me now think that I could have done the consolidation without my estranged husband 's loans 2 years prior. Additionally, in XXXX, I requested a hardship forbearance while my new consolidation was being processed because I was preparing finances from the divorce, court ordered to be due by XXXX XXXX. Navient told me I no longer qualified for anything that would help postpone or reduce payments because I had been on income sensitive repayment for too long and had exhausted all forebearance/payment reduction options available to me ( from now and for the lifetime of my loan ). So in XXXX I just did n't make my loan payment because I needed the money for the divorce, and intended to pay a late fee. I received an email from Navient telling me to reply to the email and I could get forbearance. Why could I get it then, but not when I requested it a month before? Here we are 1 year and 1 month away from when I would get student loan forgiveness for working in the public sector for 10 years, and I just made my first qualifying payment in XXXX of XXXX. Because of the absolute erroneous information I 've received for the last 9 years from XXXX XXXX and Navient, I am now *still* 10 years away from loan forgiveness.

Company response to consumer: Closed with explanation
Consumer complaint received 08/30/2015 about Student loan (Non-federal student loan) with TRANSWORLD SYSTEMS INC (LA).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: Hello I 'm writing this complaint for the online school of XXXX University XXXX of XXXX, FL XXXX. I recently filed a complaint with CFPB for the loan servicer of XXXX XXXX while in that time XXXX XXXX wrote back stating that as of XXXX another company will be my new loan servicer and that new loan company is called University XXXX XXXX, XXXX address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX. I mean how could this be if the school I attended turned out to be a fraudulent school the Department of Educations should have stopped this back in the early XXXX 's when they were being investigatored. On the bottom of this it says " Which of these best describe your issue? Getting a loan has it right fraudulent loan but it does n't give me that option. I had to go with Dealing with my lender or servicer and marked Do n't agree with the fees charged.

Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2016 about Debt collection (Credit card) with Weltman, Weinberg & Reis Co., L.P.A. (OH).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: The credit card company keeps calling every two weeks to make sure I 'm paying my credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2015 about Consumer Loan (Vehicle loan) with GENERAL MOTORS FINANCIAL COMPANY, INC. (PA).
Issue: Problems when you are unable to pay

Complaint: About 5 months ago we opened a car loan through a dealership.. Then ran my credit about XXXX to XXXX times that day to try to get us approved. GM picked it up at a I want to say at 17 % interest.. The dealership also marked up the car. Bottom line is we were ripped off by both the dealership and GM

Company response to consumer: Closed
Consumer complaint received 08-01-2015 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (MI).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: hello i just received a wage garnishment from asset recovery, but I was not notified prior to being sued, I did not know i had a wage garnishment until i checked my pay stubs then once I received the notice from payroll this is from 2010 i was never served also no settlement letters was sent out, I just finished paying off student loans voluntary so i would have a problem paying them, I tried to reach them several times just to get transferred to many different numbers and then to a voicemail that apparently does not return phone calls this is ridiculous to say the least they cant help when i call but can take money out my checks every week. how can they garnish my wages after no prior notice. A attorney suggest bankruptcy but i think that was just for the money this is becoming very frustrating they are taking more money then the government out of my checks.

Company response to consumer: Closed with explanation
Consumer complaint received 09/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
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: on X/X/2017 I sent equifax, XXXX XXXX proof of XXXX XXXX not holding and active license which make them unable to collect or to reflect any information on my credit report. I provided Equifax, XXXX XXXX with the website and photo and it still has n't been removed. I went ahead an attached this to avoid from them saying they did n't see it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/23/2017 about Credit card () with CITIBANK, N.A. (GA).
Issue: Other fee

Complaint: Double charges of interests. 
Macy 's charged me interests several times for one time of late payment. I was late for a payment once, and there was a late fee and interest. I paid the full amount, {$95.00}, and this amount included the late fee AND the interest. This was due on XX/XX/2016, and I made the payment on XX/XX/2016. But Today, I found out that they charged me interest ( something called minimum interest of {$2.00} ) for XX/XX/XXXX AGAIN after this payment. Since I made the full payment before the due date, I am not supposed to owe any more interest. But they charged me again for the interest. According to their way of calculation, even if I pay the full amount, I am still owing another interest. Then, when am I ever done with the full payment? I will always be in debt, wo n't I? This is an out right exploitation and fraud. I never heard of anything like this. The amount is small. So, it is not about the amount. I am sure they have exploited MANY consumers this way. Today, I paid {$6.00} total for the double interest that they claim that I have to pay. Since Macy 's have a lot of customers, I am sure that a lot of consumers are subject to this act of fraud.

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 06/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: I am a authorized user on several of my wifes accounts. Her name is XXXX XXXX and we reside at the same address and her DOB is XX/XX/1956 and the last 4 of her SSN is XXXX During the month of XX/XX/XXXX, Equifax has removed three accounts that I am a authorized user. Before the month of XX/XX/XXXX, Equifax reported all authorized accounts correctly. My accounts are being correctly reported on XXXX and XXXX XXXX. In an effort to correct this error with Equifax, I called and spoke to a representative at Equifax. I was advised that I should call the creditors to ensure that they were reporting me as an authorize user. I called the three creditors and they assured me that my information was being reported to all three bureaus every month. XXXX XXXX, XXXX, and XXXX XXXX sent mid month updates which were reflected on my wifes credit report but not on mine. The accounts that were removed on my credit report for the month of XX/XX/XXXX are : XXXX XXXX - {$500.00} XXXX XXXX - {$4300.00} XXXX - {$15000.00} In total Equifax has removed {$19000.00} of credit from my credit report. This has negatively impacted my credit by reducing my credit score and increasing my utilization. Something is definitely wrong when 2 creditors who are reporting accurately and Equifax is the only bureau not capturing the data correctly. I live in XXXX Georgia and many lenders pull credit with Equifax. To that end, it is quite important that this issue is resolved quickly and does not continue to repeat itself. Your immediate attention is needed to resolve this error made by Equifax. I have been unable to dispute this issue via their system because the accounts are no longer appearing on my report and you can only dispute credit that appears on the credit file. Your immediate attention to this matter is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2016 about Debt collection (Credit card) with CAVALRY INVESTMENTS, LLC (KY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: In XXXX XXXX I rcvd my first letter from Cavalry Portfolio Services Requesting Payment of XXXX XXXX XXXX Acct ending in XXXX for a balance of XXXX. I immediately sent a request for validation requesting several items be verified for this account not knowing where this account originated from. I requested original name, account number and amount owed. 
-a copy of last billing statement - if the debt was within the statue of limitations and when this expires -the original signed agreement showing balance on the account from zero to present along with licensing requirements to collect in the state of KY. The company failed to validate this debt within 30 days instead stated they would respond within 90 days leaving the account in dispute but failed to report that to the credit reporting agency. But while the account was in dispute sent a bill requesting payment of the account due on XXXX XXXX. I then received validation or what they call validation of the debt on XXXX XXXX, XXXX. The validation consisted of XXXX states and a list of the states they hold a license in to practice but did not include the other requested information. 

In XXXX of XXXX XXXX XXXX debt collector attempted debt collection for XXXX on this account and I reported that this account was a stolen account by an ex husband in XXXX while going through a divorce and was reported as such when discovered in XXXX. 

In XXXX XXXX This account was bought by XXXX was attempted by that company at which time I reported again the same information and collections stopped. I am unsure why collections continue with this account and I have had to fight the same issue with several accounts as they pop up over the past few years. 

I am tired of the continued harassment after reporting this issue and should not have to keep reporting it only to have it as a negative mark on my credit report. 

I have had to deal with Calvary for the last year on a previous debt which they also failed to validate as requested.

Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2015 about Debt collection (Medical) with SCA Collections, Inc. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: This debt was paid by my insurance provider, XXXX XXXX XXXX and the XXXX XXXX XXXX. that I qualified for XXXX treatment.

Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CREDIT ACCEPTANCE CORPORATION (NC).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I had a vehicle financed with Credit Acceptance, in lateXX/XX/XXXX I was in an accident where I was rear ended and my car was totaled. The insurance company of the person at fault paid off my loan inXX/XX/XXXX with the exception of {$180.00}. I paid Credit Acceptance {$100.00} on XXXXXX/XX/XXXXand the last {$77.00} onXX/XX/XXXXThey are showing on my credit report that the loan defaulted and went into collections. This never happened. I called Credit Acceptance about it and they said they could n't do anything and I would need to file a dispute with the credit reporting agency. I filed a report with XXXX and they claimed to investigate the claim and found it substantiated.

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 01/28/2017 about Bank account or service (Checking account) with CITIBANK, N.A. (NY).
Issue: Account opening, closing, or management

Complaint: Citibank distributed a promotion flyer to me in XXXX 2016, saying that anyone, who opens a new checking account, makes an eligible deposit of {$15000.00} or more in new-to-Citibank funds into the new checking or new or existing Savings Plus Account Within 30 days of account opening, and maintains a minimum balance of {$15000.00} for the 30 consecutive days following the date of the qualifying deposit, will get {$400.00} cash bonus. 
I made a deposit of over {$27000.00} on XXXX XXXX into the checking account. For the safety of my funds, some of the money was put into my saving account. Citibank 's monthly statement concludes with an item called " Total Checking and Savings at Citibank '', which I believed was the number that should be above {$15000.00} ( as long as this number was above {$15000.00}, I was eligible for the bonus ). And so I paid attention to the total savings and kept the deposit in my checking account and saving account combined stayed above {$15000.00} till XXXX. In XXXX this year, I called Citibank a handful of times to request the {$400.00} cash bonus but they rejected me saying that my deposit did not stay above {$15000.00} for 30 days. And they would not take the total deposit ( checking + saving ) as the basis for evaluation. 
The information Citibank provided in the promotion and its statement is extremely misleading. And Citibank was never clear about their requirements. The fraud Citibank is committing deeply hurts consumers like me and consumed much of my time and energy.

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 05/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TN).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I mailed a Multip le Inquiry Removal Letter o n  XXXX   XXXX ,    2017 b y certified mail in order to dispute information in regards to  XXXX  inquiries that was being reported on my credit report. They received the letter on  XXXX   XXXX  , 2017    and they completed the request on  XXXX   XXXX ,    2017. The  request that I submitted included inquiries that were not factual and I received the same response for ALL inquiries which were " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. '' According to the FCRA Rules, FC RA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it s tates that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. The fact that I received a response in 7 days after the receipt of my certified letter, one can assume that there was no investigation into this matter. I am in the process of purchasing a home and having this many inquires on my credit report display a sign of financial trouble when this is absolutely not the case. I am submitting this complaint due to the lack of investigation into my original dispute for inquiries that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2016 about Credit card () with CITIBANK, N.A. (MO).
Issue: Unsolicited issuance of credit card

Complaint: Citi is sending me an unrequested, pre-approved credit card in the mail. I never asked for it. I did n't want it. But, when I called them to tell them not to send it, they said it was coming anyway. 
XXXX I thought credit card companies were forbidden from sending credit cards to people who did n't request them. How can they do this? 
The problem started because I am a XXXX member who has an XXXX through XXXX. When XXXX said the were going to stop partnering with XXXX, I called XXXX. XXXX said that they would not send a Citi card unless I requested it. But, as you can see from the attached XXXX/Citi mail, they are sending one to every XXXX cardholder whether they wanted one or not.

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 FIRST NATIONAL BANK OF OMAHA (GA).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: Everytime I try to login online to pay I can not and relieve a message to call the company. The credit card company is Frst National Bank of Omaha and the last time I called them I was told this was resolved. As soon as I get ready to pay again the same thing happens. To make matters worse they leave you on hold forever. By forever I mean over an hour. I don't have much free time as I work so holding for extended periods is unrealistic. The phone number is only good during the day in business hours. I do not recieve a bill by mail as I have paperless billing and even if I did I don't have checks. All my other credit cards that are easy to log into and get in touch with by phone are on time and have never been late. This card keeps getting charged late fees even though they are making it difficult for me to pay them on purpose. I feel as if they've made it difficult to pay to incur more money in late fees. I especially feel this way since I was told it would be fixed and it is not.

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 06/29/2015 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (MN).
Issue: Deposits and withdrawals

Complaint: XXXX charges totaling {$1900.00} were charged against my business acccount. I am not a XXXX customer and there is no reason for these charges to my account. Wells Fargo has completed their research of the matter and is unable to reimburse me because I did n't notify them until XX/XX/2015 and the charges were made on XX/XX/2015. I 've already contacted XXXX and they have indicated that they can not help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 12-07-2017 about Credit card or prepaid card (General-purpose prepaid card) with PNC Bank N.A. (MD).
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint: I had a refund returned to my card, since XXXX does n't refund back to XXXX. The cashier told me to swipe any card. I swiped my PNC smart access card. A few days later my account was closed, I called a week later ( when I realized ) the rep told me I was contacted to send proof of purchase. Nope, there was no contact from the bank. I later on, took it upon my self to send in the fax and find the number and everything to resolve the issues. I have send the proof of purchase. And still no resolution. I 've called them every other day saying the same thing, no ipdate, we did n't receive the fax, call back again. I 'm now convinced nothing is going to get resolved. Please help. PNC is the worst bank ever.

Company response to consumer: Closed with explanation
Consumer complaint received 06-10-2016 about Debt collection (Medical) with American Collection Services, Inc. (OK, TX) (OK).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Was contact by collection agency debt was going to collections, I called XXXX on XXXX XXXX, 2016 and paid debt in full. She stated she would notify the collection agency. Did clear the bank without any problems. Noticed on XXXX XXXX, 2016 collection agency had posted negatively on my credit report. Called agency to notify them that the bill had been paid. Response was " too bad, it 's on your credit for 7 years ''. The gentleman on the phone was verbally hateful and stated I had to give them {$600.00}. Asked them to call and verify with original company that debt was paid in full or to give me a fax number as I did not have paperwork with me. Originally, he asked me to fax verification but then refused to give name or fax number. Have placed called to original company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/23/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (CA).
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint: XXXX XXXX is hard to dealt credit card. I called more than a couple times to help me out to have my interest review since i am a single a father and my payments are only going up and up. I 'd to see if XXXX can be more easy with work with and reduce my interest rate to something that i can afford. 

The debt credit act tell us that every consumer are on their to ask XXXX to have and respect consumer and prohibit predetory lending and credit card ABUSE to consumers. 


XXXX XXXX XXXX/XXXX/XXXX SS : XXXX Card : 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