milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-05-2015 about Student loan (Non-federal student loan) with KEYCORP (MN).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I graduated from XXXX XXXX University and had taken out a private loan through Key Bank. Since XXXX I had been current on my payments. In XXXX of XXXX I was discharged from a bankruptcy and throughout the entire time I made payments to my loan. In the beginning of XXXX I became behind in payments. I called Key Bank the beginning of XXXX XXXX to get my account up to date and I was given the worst run around from there on. At first I was transferred to a woman from their law office telling me they never received my discharge papers from my bankruptcy ( from XXXX - which is not my responsibility seeing as how student loans are non-dischargeable ). She then told me my account was on hold and to call back in a week. I did call back in a week and I was refused payment numerous times by their employees, sometimes I was transferred to the " charge off '' department and sometimes they transferred me to their XXXX party collections who then said they were n't handling my account. On XXXX XXXX I called and was informed my account had been charged off, with no notice. It is my right to be given notice. They told me they had n't been able to give me notice because of my bankruptcy, but my bankruptcy was closed in XXXX of XXXX. After much persistence I was finally put in touch with XXXX XXXX who handles their bankruptcy cases. I called him several times in the beginning of XXXX and he always said he would call me back but never once did. I sent a written letter to Key Bank outlining my troubles and asked for a written letter back but have heard nothing. I have no information of who is handling my account now because as soon as they charged my account off I could n't make payment on the XXXX XXXX Borrower website where I always made payment. I am upset because my dad is a cosigner on this loan and now this is affecting him.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: InXX/XX/XXXX I had a Chapter XXXX bankruptcy discharged. Since then my mortgage loan has been transfered a few times. When it was serviced by XXXX XXXX XXXX we were involved in a home loan modification to make a commitment to stay in our home and get current on our mortgage. The modification was approved XX/XX/XXXX. The modification re-financial structure constitutes in writing documentation that we are affirming our commitment to repayment of the mortgage.
The reason for this complaint is to make XXXX aware of the non-reporting to the credit bureaus for the past 15 months of all our timely mortgage payments.
After speaking to the Bankruptcy department division from XXXX who has recently changed their name to XXXX XXXX, I was told that I would have to re-open the bankruptcy and file a re-affirmation agreement and that I would not be given any retroactive payment history to the credit bureaus.
I feel that my rights as a consumer and home owner have been severely effected by an error on XXXX XXXX now XXXX XXXX Both myself and my husbands credit scores would have had an impactful positive reflection if there would have been reporting of our timely mortgage payments.

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 11/30/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (CA).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: I recieved an email saying 'do n't miss your chance to earn XXXX extra Membership Rewards points. ' the subject matter for the email was as follows " Looks like you missed out on the Welcome Bonus for your XXXXXXXX XXXX XXXX XXXX. Well, this exclusive offer is your second chance. 

We 're excited to tell you that you could earn XXXX extra Membership Rewards points after you enroll your Card by XXXX XXXX, XXXX and spend {$2000.00} in purchases by XXXX XXXX, XXXX1 These are points you could use toward : Redeeming for rewards from over XXXX leading brands in travel, gift cards, merchandise, or entertainment2 Transferring points to our selection of frequent traveler programs3 Do n't let this chance to earn XXXX extra points pass you by. Get started today. '' I enrolled in the offer and have met the minimum spend, I was not credited the points after 4 weeks. 

I have spent hours chatting up the the CS agents regarding my cases. I have submitted screenshots of the offer. I have escalated the issue to the supervisor as well but for no avail. I was given the reason that I had not enrolled in the offer.

Company response to consumer: Closed with explanation
Consumer complaint received 05-07-2016 about Credit card () with SYNCHRONY FINANCIAL (NC).
Issue: Late fee

Complaint: Synchrony Bank administers Belk Store Credit Cards. Their online payment site and all of their statements claim the due date is the XXXX of the month. I had sometimes paid on the XXXX or the XXXX of the month which resulted in receiving a late payment fee, even though the date I paid was on or before the stated due date. When I raised this issue with the XXXX, I recived a condescending letter stating that I should always make my payment 2 days before the due date to avoid late payment charges. 
This seems misleading and abusive. If the bank wants to move its due date for payment earlier in the month, it should be transparent about it and send out a notice. 
XXXX recently " aligned '' its billing across company divisions which resulted in the due date for my phone bill coming 5 days earlier in the month. If a large company like that can successfully communicate such a change to their customers, why would a regional retail store refuse to acknowledge that they wish to have payment 2 days earlier each month? Of course, if they continue to charge any customer who fails to authorize payment ( bank draft ) more than 2 days before the stated due date, a late fee, they can increase their income. This is an unfair and abusive practice that is likely to affect many of Belk store 's customers. 
If possible I would like a refund of all late fees for payments made on or before the stated due date ( XXXX of the month ) but failed to clear to the satisfaction of the bank. 
It seems to me that any consumer should be able to plan and rely on the stated due dates in making payments. It is not fair to create a due date that does not reflect the actual date by which the payment must be " received '' or " cleared '' to avoid late fees. 
If a customer presents a check at a point of sale, it may take several days to clear their bank. Would it make sense to dun such a customer for a late fee because of the time it takes the banking system to complete a transaction? 
My accounting training is clear that transactions are recorded on the date they are completed. Revenue is recognized on the date of the transaction, not the actual date the bank releases funds. In the same way Invoices are handled based on the date they were issued not some later date on which the invoice happens to arrive at the customer 's A/P department.

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 06-02-2015 about Credit reporting () with EOS Holdings, Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: My social security was used to set up accounts. My roommate used my info to set up these account without asking me.

Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I had several fraudulent inquiries removed from my credit report from TransUnion. After a company computer glitch they were all added back onto my credit report without giving me the legally required written notice 5 days prior to re-adding them. I contacted TransUnion many times in good faith to ask them to delete the inquiries that they had illegally re-added. I spoke to several reps and mangers. They refused to remove the fraudulent inquiries from my report. These inquiries add a hardship for me and my rights are being violated by TransUnion. I am requesting the help of the CFPB to help me in making TransUnion stop victimizing me. I request that all of the inquiries showing on my Transunion credit report be deleted permanently from my report as a violation took place when they were illegally added.

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 02-02-2016 about Debt collection (I do not know) with CBV Collection Services Ltd. (AZ).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: First I felt I was getting no cooperation from the XXXX the credit bureau. I kept getting Verified, No Change letters but no documentation of how determined despite having asked several times. In a phone call XXXX finally says there is no documentation. The documentation lies with the creditor and the creditor does not have to provide TransUnion with that documentation. XXXX XXXX XXXX has continued to respond to XXXX on a debt showing last activity in XXXX of Verified, No Change with erroneous activity reported for XX/XX/XXXX - XX/XX/XXXX submitted, reporting a first deliquency in XX/XX/XXXX ( and then closing the account XX/XX/XXXX ). When I try to contact XXXX XXXX XXXX directly they only tell me they sold the debit XX/XX/XXXX ( already well past the 7 year reporting date ) and refuse to do anything to assist me. They wo n't write me a letter stating who they sold the debt to so I can provide to the credit bureau, they wo n't report it to the credit bureau, they wo n't remove the information on my credit report being reported in their name. They will only tell me it was sold to CBV Collection Service XXXX which only goes to a busy signal everytime I try to call. I do have records of this number calling back in XXXX. Again last payment history XX/XX/XXXX should have already been long off my credit report and no legal liability existed due to statue of limitations at the time XXXX sold the account showing on my credit report ( only XXXX of the XXXX ). I feel TransUnion and XXXX XXXX XXXX could have fixed this and if issue of this reporting is with CBV Collection Service then fraud in re-aging the account. I found a CBV Collection Service online with a different toll free number based out of XXXX with complaints and actions against it but not one answers even though says business hours. When I discovered this error several years ago ( disputed 7 times so far over 2 years ), it cost me hundreds of thousands of dollars in financing and tens of thousands more since then.

Company response to consumer: Closed with explanation
Consumer complaint received 09-06-2016 about Credit reporting () with Experian Information Solutions Inc. (MD).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I had a credit card account with a credit union which later was charged off and turned over to their representing law firm. I had an agreement with the credit union 's representing law firm to pay them off, which I did in XXXX. The law firm supplied me with my paid in full and satisfied letter in XXXX XXXX. I promptly sent the letter to the XXXX credit bureaus to update the status of the account. Experian contacted the credit union and was told not to update my credit information and stated that it REMAIN. I am asking the credit union to honor their representing law firm 's paid in full letter as close out of that account. Experian refuses to accept the firm 's letter as proof of payment because of the credit union 's remark. What can I do to correct this denial of my updated information?

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 11/28/2017 about Student loan (Private student loan) with CITIBANK, N.A. (NJ).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I received notice from Citibank ( the originating lender of my student loan ) that my loans were being sold. However, I 'm now paying two companies : XXXX and XXXX. XXXX claims that they own my loan, but when I ask XXXX for documentation, they only provide me with information about the original bill and claim that they are only " servicing '' the loan, which appears to contradict what both Citi and XXXX have told me.

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 02-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MI).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: In 2017 I filed a complaint with experian. I told them that they are reporting an incorrect balance that I owe to XXXX XXXX. I asked them to verify the information and to delete the information if they cant validate it. They continue to report inaccurate balances on my 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 02-01-2017 about Student loan (Non-federal student loan) with Love, Beal & Nixon, P.C. (OK).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I was contacted by a debt collector in XX/XX/2016. I made an offer to repay loan. The representative told me he would submit my offer and get back to me. A week went by and I got no response so I called him back left a message. Waited another week called left another voicemail still no response. I was served with court proceedings regarding this student loan. I have been in negotiations with them. I made another offer to repay the loan. The same representative called me back and said the company wanted {$50.00} more a month than my offer. I explained I can not afford this at the moment. Once I pay some other debt off I could make higher payments. He wanted me to submit my personal checking info to his company. I do n't feel comfortable doing this. I would like to work with them but {$150.00} a month is all I can send at this time. He said this will not work unless I give my personal checking info.

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OH).
Issue: Problem with fraud alerts or security freezes

Complaint: It should be free to freeze and unfreeze my credit score in an easy manner. Equifax has burried their website link to freeze my credit. I ca n't find it! And I hear it cost money. I do not trust, or understand how they store and disclose my data. I should be able to protect my data, and credit score free of charge, otherwise I should be able refuse the credit score companies from collecting and storing my personal identifiable information.

Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with LINEBARGER GOGGAN BLAIR & SAMPSON LLP (TX).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I received a notice of unpaid tolls and charges from XXXX. The fees are from XXXX XXXX - XXXX XXXX, XXXX. The date of notice is XXXX XXXX, XXXX from XXXX. I have toll tags with XXXX. I will now have to research this payment that I already made and or was double charged to me through my tolltags. This is the first I know of this charge. It had been over

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: I paid off the balance and I don't know when and why another charges were applied to the account. immediately I saw it on my credit report, I decided to totally dispute because the monthly payment is {$1.00}. This is crazy and I can't believe that it should be reported to my credit in the first place. had it been that I know I would have called the bank. I never make payment late and I can never be late for just $ XXXX monthly payment. The name that is reporting late is 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 11/25/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I have a Consolidated Stafford Unsubsidized student loan that is serviced by Navient Solutions Inc. This specific loan can not be payed-off online. However, whenever I call the customer service number, all payment related questions/requests are routed to the online website or automatic message. Basically, there is no way to speak to someone so I can pay off my loan. This is extremely frustrating and basically does not allow me to pay-off this loan which seems illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I am disputing XXXX XXXX acct # XXXX. This account is saying, opened XX/XX/XXXX and closed XX/XX/XXXX. This account was disputed several times within the past 2 years. Now it's well over 7yrs old from the first delinquency date of XX/XX/XXXX. Also, XXXX energy was NEVER able to provide me any information pertaining to having this account on my credit report. They could never provide the proper social, last name, correct address or any receipts that was paid by me. If they could not provide myself with the correct information. There is no way this should have ever been able to be on my credit report ruining me. Also, this account is past statue of limitations. While it is easier for Transunion to tell the consumer it was verified is beyond me when in reality it was not. Why? Because they could not properly verify anything to me, the consumer. Transunion fails to realize that credit is important to some of us which includes myself. I think it is unfair and illegal to tell a consumer an account has been properly verified when it actually was not. Especially when the company could not even verify correctly with the customer. This is AGAINST THE LAW and very shady!!! I work very hard and take care of my responsibility because I know credit is very Important. And to depend on the credit bureaus to do there job accurately just to see first hand that that is not being done is disappointing.

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 07-06-2015 about Debt collection (I do not know) with Colony Brands, Inc. (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Dear sir/madam, as I was going through my credit report on XXXX and XXXX few months ago, then I noticed a negative report on my credit. The negative report was from a Company called SWISS COLONY ASHRO and Another company called XXXX XXXX XXXX. Any time I dispute the accounts, they kept sending me a letter at my home address saying they investigated the dispute and notice it was mine. First I have never had any account with SWISS COLONY ASHRO and XXXX XXXX XXXX, Second, They have to explain which address I was living when I acquired this dept. .I do n't know how they got my social security and my date of birth because I know I have never had any account with SWISS COLONY ASHRO or any of it affiliates. 
I am requesting that SWISS COLONY ASHRO and XXXX 'S XXXX or any of their affiliates should remove such negative and false statement from my credit report THIS COMPANIES ARE AFRAUDULENT COMPANIES, first they came up with the name XXXX XXXX XXXX account number XXXX on my credit report. after so many dispute I submitted against the account, I was forced to pay dept in the sum of {$45.00}. The dept I did not own, the dept that does not have my name on it. 
After that they came up with another name SWISS COLONY ASHRO with same account number XXXX stating that I was owing them. This is fraud I do n't own this companies any money and I never had any transaction with them I do n't even know the kind of business they do. They have to pay me back the XXXX dollars they fraudulently took from me. 

Dear sir/madamI want your office to go through my credit report to verify my statement. my credit report has so many names I do n't know where they came from. I contacted XXXX AND XXXX REGARDING THIS MATTER, all they said was that they can not remove those name because some companies like XXXX 'S and SWISS COLONY ASHRO reported some account to my credit report with the names. 
I want your office to investigate this matter because any time I dispute these XXXX companies that has XXXX account number XXXX and XXXX kept saying the investigation stated that the account was mine. 

THIS IS FALSE INVESTIGATIONin the year 2013 when I wanted to open online account with XXXX, the man who spoke to me from XXXX told me that someone already opened the online accountwith my social security which I have no knowledge of who that was. Then the XXXX representative later cleared it off and created a new account for me. I want your office to investigate all these because I have filed so many compliant regarding the information on my credit report and most of the company claim they investigated the case which I knew all their so called investigations was not done right.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-12-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (AL).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: Credit line of {$1000.00} has turned into. Almost {$1900.00} in fees on a account that is not open

Company response to consumer: Closed with explanation