milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-04-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (AZ).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I am on the active military duty from XXXX XXXX. I and my husband ( XXXX XXXX ) get approved for SCRA benefit for our XXXX platinum cards XXXX and XXXX. The SCAR approved letter clearly stated that our billing for annual membership fee will be waived for the duration of my XXXX XXXX. We both paid the annual fee for XXXX $ on XXXX XXXX and that means this annual fee cover from XXXX XXXX to XXXX XXXX. Since my XXXX XXXX starts in XXXX XXXX, XXXX should refund part of our annual fee based on SCRA act since I join XXXX XXXX on XXXX XXXX, XXXX. I also check with the representative when I submit the SCRA application in XXXX and she told me the annual fee will be refund prorated from my start of XXXX XXXX after SCRA approved. My XXXX XXXX card already waives the part of the annual fee I paid early this year so I do n't pay the annual fee after XXXX XXXX due to SCRA act. I do n't understand why XXXX is handling totally different and refuse to refund half year annual fee when I am on XXXX XXXX based on SCRA. I talked with XXXX representative and they are really not willing to help on this issue and ask me to file the complaint to their corporate office. This is really not the service we expected. Please refund prorated annual fee for me and my spouse ( XXXX XXXX ) for  our XXXX plantium cards according to our SCRA benefits. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 05-06-2016 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (MA).
Issue: Loan modification,collection,foreclosure

Complaint: Applied for a modification when my husband passed away and I was the only income. They sent me the package which I completed sending all requested documents/tax returns/death certificate-notarizefterd. SS statement of benefits/XXXX years of bank records/copies of all my monthly expenses. All this was faxed at my expense. Then the calls/e-mails started ... ..they needed this they needed that. I sent it all I told them.Well we are missing documents. Sent what they requested again.Faxed. to them. Still missing documents.. Supposedly they assign an account manager to your case but you never get to speak to that person.Anyone answering the phone can help they say. After almost a year I get a letter saying I was denied the modification because of missing documents. I stopped paying my mortgage and told then they can foreclose which will take about two years. When we go to court I will show how they try to " help '' their customers especially seniors. As of now I am only XXXX payments in arrears

Company response to consumer: Closed with explanation
Consumer complaint received 04-02-2017 about Credit reporting () with CAPITAL ONE FINANCIAL CORPORATION (GA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I have alot of items on my credit report that was not opened by me I believe I am a victim of Identity theft

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/24/2017 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (MD).
Issue: Trouble during payment process

Complaint: XXXX / XXXX / XXXX  I requested when I could remove my PMI off my loan that stated  XXXX / XXXX / XXXX  and they wrote back stating I could not remove until  XXXX . My loan states after 5 years and 78 % of balance then the PMI can be removed.      Wells Fargo  mislead me in a letter stating I could not remove my PMI until  XXXX / XXXX / XXXX . It should state 5 years after my loan. The date should be  XXXX / XXXX / XXXX  and if I can get my blance to 78 % of loan.      Wells Fago st atement date  XXXX / XXXX / XXXX  Loan number  XXXX  Property address  XXXX    XXXX   XXXX   XXXX   XXXX   XXXX , MD  XXXX  Best regards,  XXXX   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 06-10-2015 about Credit card () with SQUARETWO FINANCIAL CORPORATION (OR).
Issue: Delinquent account

Complaint: An item appeared on my credit report and I have been attempting to resolve with the creditor ( Fresh view Solutions ) XXXX. After being on hold for 1/2 an hour on XXXX occasions, no answer or call back. I can not settle the purported obligation if they ca n't answer my call. This item is impacting my ability to obtain new credit. Acct # XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2017 about Debt collection (Credit card debt) with Alliance Data Card Services (NH).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint: A debt collector from XXXX contacted my husband and shared with him that he was attempting to collect a debt. Told him the amount of the debt. The call took place on Wednesday XXXX XXXX 2017 around XXXX XXXX EST. The debt collector never verified who it was that they were speaking with - never asked my husband to verify that he was myself. The debt collector just offered up my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (OR).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX XXXX / XXXX XXXX reported that I am 30 days late to credit reporting bureaus even though I had made arrangements to pay late with a promise they would not penalize me. I paid as promised and they reported me 30 days late anyway. Their agreement with me was extremely misleading and this was the first time I was in this type of situation with my payment and I have been a good customer. Please have them remove the late payment on my credit 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 05/31/2017 about Debt collection (I do not know) with ERC (NC).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I sent a verification and validation letter of debt to both ERC and  XXXX , letting them know that I knew nothing about the account on my report. They have refused to validate it with my last complaint. Then I take a look at the collections agency information, and it shows that they are not licensed to collect a debt in North Carolina. I notified the credit bureau and they send a letter asking for verification, when I have already verified my account with the appropriate social and ID. Which is the same one that I have used multiple times now they are saying, it does n't match my account. Just another  one of their stall tactics. The Collection account from " ENHANCED RECOVERY CORP '' needs to be removed and blocked from my credit report. Upon doing additional research it shows that this collection agency is not licensed and bonded to collect a debt in the state of North Carolina. This collection agency has n't been licensed since 2010. So m y question is, how is a collection agency that is not licensed allowed to collect a debt. Enhanced Recovery corp has violated my rights as a consumer, along with  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 12-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IN).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have several hard inquires on my credit that were not authorized and some of the companies ran my credit several times without consent, even when I am searching for a vehicle I ask that my credit is not ran by multiple companies and they are required to let me know which companies they are authorizing my credit to ran by. Below I have provided a list of inquires that were not authorized or either ran multiple times within the same day. 

XXXX XXXX-Multiple times XXXX XXXX XXXX Disc-Unknown XXXX XXXX-Multiple times XXXX-Multiple times XXXX-Multiple times XXXX XXXX-Multiple times XXXX XXXX-Multiple times XXXX-Unknown XXXX XXXXMultiple times XXXX-Multiple times Credco-Unknown XXXX XXXX XXXX XXXX XXXX XXXXmultiple times XXXX XXXX-Unknown XXXX XXXX XXXXMultiple times XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX-Unknown XXXX XXXX-unknown, multiple inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXXMultiple times under different names

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 01/21/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (WI).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: When I have a little extra money I want to apply that extra to one of my loans that has the highest interest rate and the lowest balance. When I made an extra payment instead of putting it towards principle it had advanced my payment due date out so I did n't have to pay on the loan for months. I found out this was happening when I reapplied to the income based repayment program and it was declined. I was told every time I made an extra payment I needed to contact navient and ask them to apply my payment the way I want them too. It was so much hassle to do that and people were getting it wrong and not understanding what I wanted that I gave up. I was able to get that particular loan down to almost {$500.00} and since I gave up on the extra payments it is now around {$800.00}. I set up auto payments because it is too XXXX to look at all the loans. I have way more loans than I should and feel there was something odd going on while in school and it caused me to get more loans than I should have. I started going to The XXXX XXXX XXXX Minnesota, XXXX XXXX online division and the XXXX XXXX online division. I feel the XXXX XXXX kept making loans in my name withought signing anything because I rarely had to agree to new loans and just remember signing stuff when I first started but not after that. All of a sudden I have {$71000.00} I owe and have an XXXX degree.

Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NJ).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: After looking at my credit report, I noticed several outdated and inaccurate items : The following below are inaccurate. I never live at the addresses. Please complete removed from my credit file XXXX XXXX XXXX # XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX # XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX # XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX Please investigate these inaccurate items and remove them immediately and forward an update copy of credit 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 06/13/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (AL).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: XXXX   XXXX   XXXX   processed a private student loan request that is now being serviced by Navient. I did not authorize said loan to be processed and in fact was under the impression that the only student loans processed were Federal Student Loans.
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After finding out there were in fact private loans processed, I entered a rehabilitation program through Pioneer that promised to clear the debt within a short time frame. According to the online records I was able to obtain, none of those payments I agreed to with Pioneer have been adequately applied to the account, nor did those payments remove the erroneous default reporting that Navient has been continuously reporting.
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I am very   XXXX   about the negative reporting as well as the enormous accumulation of interest that has been applied to a previously {$18000.00} loan, which now shows over {$50000.00} in debt due.
<P/>
I believe the CFPB would agree that the Pioneer and Navient are credit predators and through deception extended a loan without my knowledge, and went further to add egregious amount of interest that is an unbearable amount.
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In addition to the aforementioned,   XXXX   XXXX   XXXX   is a closing school and has also lost its accredidation. Further details of the events of this school can be found in the " Borrower 's Defense to Repayment '' I attached to this complaint and that was submitted to the Department of Education regarding the federal loans.

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 01/17/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: A state tax lien that has been paid and released from 2010 has not been removed from my credit report. It has been removed from my XXXX Credit report but not TransUnion. 
I have called TransUnion, The XXXX County Recorder, & The California state Franchise Tax Board. They all say they cant help me and tell me and point me in the direction of the other.

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 08-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX XXXX XXXX charged off my account when payment was made prior to 120 days charge off.
I submitted bank statements and proof of payments to sho accounts SHOULD NOT HAVE BEEN charged off.

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 12-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MI).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I put in my information in XXXX to see if I could get a lower rate on my auto loan. I was contacted by email by many potential companies about a new loan, including, on XX/XX/XXXX, XXXX XXXX. I replied, asking the XXXX XXXX representative XXXX for their general rates. She replied with a list of rates, at which point I never contacted XXXX XXXX again. Two days after ( XX/XX/XXXX ) I received an email from a credit monitoring website that XXXX XXXX had initiated a " hard pull '' of my credit. I emailed them asking for an explanation, as I had never filled out a loan application or given consent to a credit check. I did not hear back from them. 

I contested the check with the credit reporting agency, Equifax, which denied my request, saying that the credit report was " factual ''. A brief XXXX search of " XXXX XXXX pulled my credit without my permission '' reveals that this is a standard practice for this company.

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2017 about Debt collection (Credit card) with BB&T CORPORATION (GA).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: My business failed and my partnership dissolved. BB & T, after being notified that I am looking into bankruptcy options and am working on all my debt starting withdrawing money out of my personal account for the business credit card. They did this until I was over drawn and left with nothing. After complaining they stopped but now are steadily calling and harassing me and I am in fear of them draining my account again leaving me with nothing and no ability to pay any bills. I am committed to doing the right thing but I think it is an atrocity that they can take money directly out of your personal account for a business debt without notice and then allow your account to be in default to other creditors and then charge your account fees on top of that. It 's insanity.

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 06-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: The credit bureau is refusing to remove a collection account on my credit report that does not belong to me. The account number is "  XXXX  '' and it has a past due balance of {$11000.00}. I have never had any business dealings with  XXXX   XXXX  and in all of my disputes, I have never been provided with supporting documentation to validate this debt. The credit bureau provided with me  XXXX   XXXX  's contact information in their response letters and after having called multiple times, they can not find any record that matches my personal information for this past due debt. Since I am not the person who created this debt,  XXXX  is refusing to send me any documentation to validate my claim and remove this from my report. Thus, I am stuck and the credit bureau is continuing to report someone else 's account on my credit. I need this to be deleted from my credit as soon as possible.

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 08/26/2016 about Bank account or service (Other bank product/service) with First Data Corporation (FL).
Issue: Making/receiving payments, sending money

Complaint: I was working with XXXX as my MERCHANT PROCESSOR to processes my customers credit and or debit cards as payments. They then randomly froze all the funds from my customers and ripped out {$2000.00} from my account and claimed ID THEFT without any merit. I then provided them with all the identification items the requested ( which by the way was required by federal law for them to collect this information prior ) They then corrected that information. They then said that we were n't authorized to sell our products because we were only authorized to sell jewelry ( that to is a lie, the person that wrote our contract wrote service provider not jeweler ) So they lied on that to. They have not sent any deposits in 3 months for any of the funds my customers paid for. They are claiming that they now have to hold it in a non intrest baring account for XXXX months due the possibility of chargebacks. Keep in mind no chargebacks existed and they had no reason to hold my funds. They fabricated this, then after proving them wrong they went and removed the ID THEFT STATUS ( which by the way has prevented my company from being able to open another account and make money. ) Because we were unable to receive our funds from our clients we could n't afford to provide goods or services for all of them. Also we never received the customers money so they had not choice to do chargebacks to get the funds back from XXXX holding them. Now XXXX owes us around {$11000.00}. They gave us a written email from numerous employees saying that they will now be mailing us a check for {$6800.00}. I have in writing from them that they already mailed the check. Now another person says they have decided not to mail the check. They have held the funds for XXXX days now and are not answering the phone, they 've hung up on me, they are ignoring emails now. THEY STOLE MONEY FROM MY ACCOUNT WITHOUT MY APPROVAL. The dates on the account will show that no chargebacks accrued until after they did all of this. and now they are playing games and lying about sending me the money.

Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: 1 ) I have Different balance amounts that are on my credit report.
2 ) Also I have late payments of 90+days being reported when they should 've been covered under forbearance or deferments I always applied for those when I was unable to pay.
3 ) I do n't know if the interest rate is changing but I can never   catch up to paying my balance off yet alone down.

Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with HARLEY DAVIDSON FINANCIAL SERVICES INC. (IL).
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: Back in XX/XX/XXXX I was behind on my bike note. I then sent {$4500.00} in cleared funds to Harley Davidson. That pmt put me in a current status and paid me up the next at least 5 months. I disputed the balance with the credit agencies since Harley Davidson never updated the balance. Harley Davidson never responded to the credit agencies within the 30 day limit by law they give them, so the line of credit was removed from my report. I have called and spoken with supervisors from Harley Davidson since XX/XX/XXXX. and have been informed that they will put in a REINSERTION OF THIS TO MY CREDIT REPORT WITH ALL THREE CREDIT AGENCIES ... BUT STILL HAVE NOT DONE THAT. Per XXXX they are reporting each month, BUT THEY HAVE NOT PUT IN A REINSERTION OF THIS TO BE RE ADDED TO MY CREDIT REPORTS, SO RIGHT NOW I AM MISSING THAT LINE OF CREDIT ON MY REPORT AND IT HAS AFFECTED MY REPORT SINCE XX/XX/XXXX. THIS MATTER HAS BECOME VERY STRESSFUL AND EXHAUSTING. I NEED HARLEY DAVIDSON TO REQUEST A REINSTATEMENT OF THIS LINE OF CREDIT BACK TO ALL THREE MAJOR CREDIT AGENCIES. 
THANK YOU

Company response to consumer: Closed with explanation