milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/20/2017 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: Old information reappears or never goes away

Complaint: XX/XX/XXXX, XXXX XXXX contacted me, via a letter. The letter stated that they could not compete my request because I did not have the full account number. XX/XX/XXXX, XXXX XXXX again contacted me via a letter. They stated the lease terms can not be altered for me. XXXX must administer to the terms of the contact that were agreed to at inception. XX/XX/XXXX, I, XXXX XXXX XXXX contacted XXXX XXXX via a letter. This letter discussed the reasons for my hardship. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I had to pay for a criminal lawyer to get my case handled. Also, I was XXXX XXXX XXXX XXXX at the time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-08-2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I was offered a position with XXXX who ran a background check on me through XXXX XXXX. XXXX HR Dept. contacted me and said there was an Issue with my background check that I owed XXXX {$5300.00} for a past due account on a short sale and that I need to clarify. I had a short sale with XXXX which closed XXXX 2011 with no recourse of monies owed. They are also reporting 2-30 late, 1-60 day late and -1-90 day late. These are incorrect as well I did have a couple of late payments due to the fact that I was informed by them that in order to qualify for a short sale I had to be in errors in order to proceed. So they effected my credit even though I was willing to make the payments on time to keep the short sale damage to my credit at a minimum. They said there was no way around it! I would have had 1-30 day late on my report but they kept dragging out the short sale which all it did was hinder me more all the time affecting my credit. I need this rectified as I have been unemployed for 9 months with my unemployment running out this would not be a good thing for a XXXX XXXX XXXX trying to find work. Please look into this as time is of the essence. I would appreciate any help you may be able to provide.

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 06/30/2016 about Credit card () with DISCOVER BANK (NJ).
Issue: Credit line increase/decrease

Complaint: At times I get an email from Discover to update income information. From my understanding, this is optional but the wording makes it sound like it is required by law. 
I previously contacted Discover about this but they seem to be ignoring me.

Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
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: Earlier this year ( 2017 ), I discovered that I had been a victim of identity theft. Despite the numerous amount of times that I had been in contact with the bureaus, they would ocasssionally remove the accounts from my report and re-add them back at a later time, which is a violation of the Consumer Fair Credit Reporting Act. Therefore, I considered filing a lawsuit, which I have yet to execute due to the fact that I now have additional evidence and a couple of incidents that were reported to XXXX XXXX Police Dept. and the FBI. 

I would like to get this this information cleared out of my report immediately because it has drasticallly set me back this entire year, which is now coming to an end. 

Thank you and Happy New Year!

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 12/18/2016 about Debt collection (Medical) with Holloway Credit Solutions (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Continuous attempts to collect an unverified 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 explanation
Consumer complaint received 06-10-2016 about Student loan (Federal student loan servicing) with AES/PHEAA (MO).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I have been paying extra with each monthly payment for 4 years. Instead of applying the extra to my principal, they apply it to my next month 's payment, so I am still accruing the higher interest. So in 4 years I have paid over {$16000.00} on my {$29000.00} student loans, but still owe {$23000.00}. 
They also changed my XXXX grants into loans and told me it was because I missed a deadline. I never knew of the deadline.

Company response to consumer: Closed with explanation
Consumer complaint received 11-01-2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (VA).
Issue: Trouble during payment process

Complaint: I own a home in Florida. It was damaged during the recent storm on XXXX XXXX, XXXX. I rent it out to tenants. My insurance company is XXXX XXXX XXXX ( XXXX ). I reported the damage. Fortunately, the house was habitable at all times. The main damage was to the roof. To mitigage damage to the house, my property manager, at my request, had the roof repaired as quickly as possible. XXXX later sent an adjuster, " XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX '' to the property. Its report is attached. It begins on the sixth page of the set of documents that are attached. XXXX sent me a check based on the adjuster 's estimate. However, to cash the check, I needed the endorsement of my mortgage company, Wells Fargo. I went to a Wells Fargo branch to obtain this endorsement on Saturday, XXXX XXXX, XXXX. However, Wells Fargo required me to sign the attached document entitled " Insurance claim check endorsement & Property Inspection Agreement ''. I regret that my wife and I did not think this through before signing. There are provisions that I think are unconscionable. First, in clause 3, it is stated that if repairs are not completed in 120 days, I admit that I have breached the terms of my mortgage and Wells Fargo may call our loan due. In addition, on the prior page, it is indicated, in the second paragraph, that those repairs need to be 100 % complete. This provides, in my opinion, far too much discretionary power to Wells Fargo. I consider it unconscionable that a person trying to repair their home but perhaps not meeting Wells Fargo 's definition of timely completion or an inspector 's definition of 100 % completion ( rather than some more sensible level of substantial completion ) could lose their mortgage. This requirement was not written in my insurance policy with XXXX. No consideration was provided by me for this additional right conferred upon Wells Fargo. Is n't making this provision mandatory inconsistent with consumer protection laws? Also, clause 2 provides me 10 days from XXXX XXXX to indicate any disagreement that I might have. I suspect that this means that I can keep the proceeds, apply them to the repairs, and not agree to these extreme provisions. I plan to indicate in additional ways in writing my disagreement to Wells Fargo, but I want to know what my rights are. In order to keep the proceeds, am I required to sign something with such draconian provisions which place my entire mortgage at risk? I suspect many others in Florida are facing the same situation. This may be a good story for 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 explanation
Consumer complaint received 05/21/2016 about Consumer Loan (Vehicle loan) with NISSAN MOTOR ACCEPTANCE CORPORATION (PA).
Issue: Managing the loan or lease

Complaint: On XXXX/XXXX/XXXX I purchased a XXXX XXXX and financed through NMAC. For 5 years ( the length on my loan ), NMAC auto-deducted the monthly payment from my checking account. Last payment was deducted on XXXX. I assumed the vehicle was paid off and have been waiting to receive my title. On Mon., XXXX XXXX, XXXX, I received a call from a Collection Agency that my final payment was never received! They further advised that final payments are not auto-deducted and advised me of the amount due. THIS IS THE ONLY NOTICE I HAVE THAT ANY PAYMENT IS DUE. I never received an invoice or phone call from XXXX! On Wed., XXXX XXXX, XXXX I mailed a check to NMAC in the amount requested of {$290.00}. Today, XXXX XXXX, XXXX, I received an email that XXXX XXXX posted a change to my credit report because " I fell behind on payments on XXXX of my accounts ''. Please help! I have worked hard to keep my excellent credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 03-03-2016 about Credit reporting () with EQUIFAX, INC. (NM).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Equifax is ignoring my requests to investigate, verify and remove accounts from my credit report that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 09-06-2016 about Bank account or service (Checking account) with CITIBANK, N.A. (CA).
Issue: Using a debit or ATM card

Complaint: On XXXX XXXX, 2016 I attempted to use my Citibank ATM Card to withdraw money when traveling in XXXX. I tried it twice at XXXX ATMs close to each other, once for {$8000.00} XXXX and then once for {$6000.00} XXXX. Neither time was money disbursed. I then went back to my hotel and got a different card from XXXX XXXX. I attempted to withdraw money again on XXXX XXXX, 2016 at another ATM with my XXXX XXXX card and funds were disbursed. I complained to Citibank and logged a dispute. Citibank gave funds back for both ATM issues that transpired on XXXX, XXXX, 2016, on XXXX XXXX, 2016. On XXXX XXXX, 2016 Citibank charged back the {$6000.00} XXXX dispute credit ( {$340.00} USD ). I called and complained and again Citibank gave back the funds. On XXXX XXXX, 2016 Citibank again charged back the {$340.00} USD.

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 11/27/2017 about Student loan (Federal student loan servicing) with NELNET, INC. (WA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have had a loan with Nelnet for many years. I had a hardship deferment when I left school due to a family emergency. In 2015 my loan went into forbearance. I renewed the forbearance several times. Each time upon applying for the forbearance they had done an adminstrative forbearance bringing my account current and late payments forgiven. The last time they did not do this even though I was told they would do so like they always had. I now have two late payments on my credit report due to this oversight, the two loans I have through them made it four total. This is the only delinquency I have to my name and am feeling the reprocussions. Some then, I 'm no longer in forbearance and have been making timely monthly payments to pay back this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2016 about Consumer Loan (Vehicle loan) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Problems when you are unable to pay

Complaint: I have received hundreds of calls from this company, despite being on the Do Not Call Registry. I waited for the representative to appear on the line and I asked for the name of the company ( Cardmember Services ) and its main phone number ( XXXX ). This is, I understand, a Capital One solicitation,. CONSTANT CALLS TO SAY I OWE MONEY, I HAVE BEEN IN THERE PAYMENT PROTECTION PLAN FOR MONTHS EVEN HAVE THE STATEMENTS TO PROVE WHERE THE PAYMENTS HAVE BEEN MADE. CANT WAIT UNTIL I CAN GET RID OF THEM. IF THEY KEEP CALLING I WILL HAVE NO CHOICE BUT TO SUE FOR HARASSMENT AND UNDO XXXX THIS IS CAUSING ME..

Company response to consumer: Closed with explanation
Consumer complaint received 11-04-2016 about Debt collection (I do not know) with Media Collections, Inc (VT).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: I received a call where I work from someone looking for the owner of the business. His name is XXXX XXXX. He indicated that he was following up on a Workers Comp. Audit. 

He asked who would be responsible for that and I gave him the name of our General XXXX. He then asked for contact information for the GM, specifically his email. Then he indicated that he wanted to speak with accounts receivables. 

At this point he did identify the company he works for, Joseph , Mann & Creed. I then asked him if he was a debt collector and he said that he was. 

According to the FTC website, debt collectors need to identify themselves as such. It seemed XXXX XXXX was intimating that he was representing Worker Comp. at first. 

When our call was concluded I called Joseph , Mann & Creed to speak with one of the partners in this firm, only to be told firmly that " they are all gone for the day '' All I wanted to do was make them aware that their employee had been somewhat deceptive.

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 02/20/2017 about Consumer Loan (Vehicle loan) with EXETER FINANCE CORP. (TX).
Issue: Taking out the loan or lease

Complaint: I received an auto loan from Exeter Finance on XX/XX/XXXX, 2013. The company did not go over the terms until the account began delinquent, due to not being able to afford the account. Throughout the term of the loan, I had XXXX where I could not go to work. And I advised this to them, and they did not provide options to help me. They offered me help twice throughout the time I had the loan. When I purchased the vehicle, it was over XXXX. When I looked at the account recently, the remaining balance was over XXXX, how does a person is the span of 4 years, only pay a little over 3000.00 on the car, that does not make sense to me. Come to find out I had a daily interest loan. How in the XXXX am I supposed to afford that type of loan. To me that is predatory lending. I am disgusting by this company. They harassed me over and over and over, when I explained my situation. There is no way any one should pay XXXX on a car loan. They have caused me emotional distress by repossessing the car, not from my house, but from private property. I need them to remove this from my credit, I will be forced to take legal action, towards their predatory lending.

Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2017 about Checking or savings account (Checking account) with Fidelity National Information Services, Inc. (FNIS) (TX).
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint: My account with  XXXX   XXXX  balance wa s discharged in a Chapter   XXXX  Case #  XXXX  filed   XX/XX/XXXX  a nd converted to a Chapter  XXXX   XXXX  filed   XX/XX/XXXX . T o date   XXXX    Chex Systems has continued to report my account negative. I was granted relief from this debt and I want the account removed from Chex Systems immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2017 about Student loan (Federal student loan servicing) with AES/PHEAA (LA).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I had a student loan being serviced by FedLoan Servicing  XXXX   XXXX   XXXX , that was paid in full  XXXX   XXXX ,  XXXX . A " Paid in Full '' notification letter was issued by FedLoan Servicing confirming the account had a {$0.00} balanc e ( n otification letter attached ). Previous to that, the account was paid via direct debit directly from my bank account.     Then, on  XXXX   XXXX ,  XXXX  , ( six  months later ) FedLoan Servicing issued a notification that a balance of {$62.00} existed on the account, and that the account was delinquent since  XXXX   XXXX ,  XXXX   (  delinquency letter attached ). This issue was automatically reported to the credit agencies which dropped my  credit score  from  XXXX   ( excellent )  to  XXXX   ( b ad ) overnigh t. FedLoan Agency ha s acknowledged that this reporting was a mistake, and that the account was not delinquent. I have repeatedly contacte d FedLoan Agency si nce  XXXX   XXXX ,  XXXX  to get them to issue a correction to the credit agencies ; but my score is still at  XXXX  as of  XXXX   XXXX . They are not responsive. They have n't even provided me with documentation of the steps they have made to fix the error, nor even sent me a letter so that I could provide documentation myself to  XXXX ,  XXXX , and  XXXX .     I need  FedLoan Agency to provide me a document stating that my account was not delinquent, that FedLoan Agency issued  the delinquency notice in error, and that the loan is paid in full ; so that I can file directly with  XXXX ,  XXXX ,  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2015 about Bank account or service (Other bank product/service) with JPMORGAN CHASE & CO. (GA).
Issue: Making/receiving payments, sending money

Complaint: I recently became aware that for the last 2 years, I have been charged {$5.00} to make a payment on my credit card, inside a CHASE bank. The teller NEVER mentions the {$5.00} fee and this fee is not reflected on my payment receipts. It is usually deducted from my XXXX XXXX XXXX XXXX account 5 or 6 days after I 've made the payment to CHASE. Today, around XXXX, I called CHASE, and spoke to a Customer Service Supervisor by the name of XXXX who informed me that unfortunately there was nothing the bank could do about this.

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (AR).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: On XXXX XXXX, 2017, I made two purchases to XXXX for services in XXXX, XXXX. One was for {$81.00} and the other for {$94.00}. One was a day trip to XXXX, XXXX, XXXX XXXX XXXX with lunch, the other for Airport shuttle to and from XXXX XXXX at {$44.00} a transfer and before XXXX percent off XXXX, online discount. XXXX XXXX, 2017 came around and driver and tour guide at XXXX saw me using a cane and said they did not feel I could walk the 800 steps at the XXXX XXXX. I watched the youtube video a couple months prior to learn there were 400 challenging steps and a lift. The driver said there are now 800. Driver made tour unavailable. and would not do a refund for the XXXX XXXX. I asked XXXX twice to dispute with XXXX in XXXX who claimed that I " resignated '' and they will not do refund. I shared this with Bank of America on XXXX/XXXX/2017 who said no one has to give refunds unless I did not do a portion of the tour, that it was their word against mine in XXXX, and that the topic is not up for discussion any further, that Bank of America will document that the Company said " no refund. '' The rep from bank of America was curt and rude. I waited two hours for a call back and she was nameless and treated me like I am a pain in the XXXX and stupid. I told her I will file a claim with my travel insurance. She said good and bye bye. I 'm tired of getting no where with Bank of America. I 'm thinking about leaving their Bank again because the reps get younger, move too fast, and claim there is not much they can do just to go with a credit union. I was treated horribly. Not only am I placed on hold for complaining and XXXX there reps off at the Bank. But, I 'm not getting any refunds. Being told the case is closed. They keep sending me rejection letters as if I would try again to reopen any case. Also, the Bank is forcing me to pay extra for travel insurance. They do n't work to protect my money and are not on my side. They get testy and rude.

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 09/23/2016 about Debt collection (Payday loan) with ACE CASH EXPRESS, INC. (CO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I was contacted by a company called XXXX XXXX XXXX regarding a payday loan from 2013. This company had personal information that led me to believe that a debt actually existed. They stated that unless I paid the amount immediately by XXXX that a warrant would be issued for my arrest w/ a bond of {$6000.00}. I sent the XXXX and called back with the reference number. While on hold, I searched the company name online and discovered that it was a scam, but too late to prevent the transfer of funds. I was sent an " Exoneration Letter '' rather than a Release which further indicates that it was actually a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2016 about Credit reporting () with Experian Information Solutions Inc. (MO).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I would like to validate all of the debt showing for XXXX, as i do not believe this debt is mine. I have not recieved services for the places listed on the report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2017 about Payday loan () with Big Picture Loans, LLC (GA).
Issue: Charged fees or interest I didn't expect

Complaint: I applied for a loan from big picture loan company and they only gave me XXXX now asking back double the money than what I got and their fees and rates are too high.

Company response to consumer: Closed with explanation
Consumer complaint received 03-09-2018 about Debt collection (Credit card debt) with NAVY FEDERAL CREDIT UNION (NY).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Navy federal Credit Union has be Contacted Me & Harrasing me and I have not Contracted with them, I have ask them to Verify By Wet ink Signature and Requested a XXXX  they Refused it. 

The Debt was already paid in full, and clear on My Credit Report, they then turned around in reposted a Debt that Was paid & then Violated My Rights as a Consumer, by giving My Personal SSN to other Companies and Selling My info to everyone which I have not contracted with as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation