milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/22/2016 about Credit card () with DISCOVER BANK (TX).
Issue: APR or interest rate

Complaint: I had a credit line of {$18000.00} on my Discover card. I had a balance of about {$10000.00} that I was making payments monthly on. In XXXX of 2014 my daughter was admitted into the hospital with a very rare XXXX that almost took her life away. We spent 28 days at the hospital where we used the card to take care of our expenses while we spent those days together in pain and suffering at the hospital. Somehow Discover allowed us to go past the maximum spending limit to a total of {$28000.00}. They never stopped the card from charging and let me go far over my limit. 
Naturally, I was going through very desperate times and had no choice. 
We 've been paying above the minimum payment every month an average of {$500.00} with a lot of sacrifice. I 've had this account for the past 20 years and I 've never missed a payment until now. I used to like Discover, they always did a good job for me and me for them. However, Discover not only increased my interest rate to usurious amount on the new high balance which I had full intention of paying but they also increased my minimum payment to {$750.00} a month making the payment no longer possible for me to pay. I called the company and spoke with so many representatives which did nothing more than to transfer me around to people who acted like they were managers. Ultimately nothing was done to help me reduce the interest or the minimum payment. My daughter remains ill today XXXX and has never been able to return to school. I am an everyday American with middle class income that has been taken advantage of by the predatory practices of a big bank. What 's worse ; is all along I thought I was a valued customer with a good credit card relationship. My daughter 's medical expenses are very costly and have to come first. Clearly the new interest rate coupled with the new minimum payment Discover will be driving me to bankruptcy and delinquency with no concern or humanity. I cringe knowing that these atrocities continue to happen to American people by predatory lending practices engineered by these filthy rich banks.

Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2018 about Debt collection (Federal student loan debt) with Navient Solutions, LLC. (NY).
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint: XXXX XXXX XXXX XXXX collected monthly payments over a period of 4 years that were never applied to my account. I have held money order receipts for each transaction and forwarded these to a Navient supervisor by the name of " XXXX '' who I spoke to in XX/XX/2016. All of these correspondences were preserved within my Navient files. However, my account was continued to be listed in default even though Navient deposited each and every monthly payment. As such, my yearly income tax was withheld and I was labeled an 'unresponsive ' account holder by Federal Student Aid. After reading about the CFPB suit I spoke to XXXX # XXXX today at Navient who told me that my account records no longer exist and have been moved to XXXX XXXX XXXX. I would like to add my grievance to this national lawsuit https : //www.consumerfinance.gov/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2016 about Money transfers (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (AZ).
Issue: Incorrect/missing disclosures or info

Complaint: I made a purchase on XXXX and used PayPal as the money transfer service. I selected my credit card as a funding source. However the funds came out of my bank account. Upon calling PayPal, I was informed my card was denied by their internal risk model yet I was not notified of this at the time so I could therefore change my funding source to a secondary credit card. I did not want this money coming from my bank account. PayPal offered no resolution and therefore I am stuck with the funds being debited from my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 11/22/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (VA).
Issue: Loan modification,collection,foreclosure

Complaint: I just received a package today XXXX XXXX, XXXX from Nationstar Mortgage. The Package contained documents to be completed and return to Nationstar Mortgage in order to begin evaluation process for the Making Home Affordable Modification Program. They started by saying they receive inquiry for the Making Affordable Modification Program from me which I did not ; that is a lie. Nationstar sent me this same kind of package twice in the past in which I told them I did not seek inquiry about Making Home Affordable Modification Program. I applied for Making Home Affordable Program in XXXX and I was well qualified then for the program with XXXX XXXX Home Loan Corporation. In XXXX Nationstar became sub servicer to XXXX Bank, then the XXXX Servicer and eventually took over my XXXX Loan Modification. The modification is still in progress and never was concluded till this day. I have already been considered and qualified for the program in XXXX. It looks to me is a scheme to deceive me to sign me of my XXXX Loan Modification they took over in XXXX. They are playing hardball with me which they have been doing since XXXX. Nationstar have been trying hard to steer me off the XXXX Program in order to get their way. Attached is the letter and the documents they want me to complete and return. They are trying to make me look as if I am a new applicant to XXXX Program. I have been through XXXX extensions of Mortgage Modification in XXXX and XXXX already. This is another lie, and steering and playing of hardball are what they have been doing with me since 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 01/25/2016 about Mortgage (Conventional fixed mortgage) with Shellpoint Partners, LLC (MI).
Issue: Loan modification,collection,foreclosure

Complaint: In XXXX, I requested assistance from XXXX XXXX to modify my loan during a severe economic downturn. XXXX XXXX would only offer a 5 yr balloon option. I advised them at the time, that I was in the process of a short sale on my prior home and would not qualify to pay them off in 5 yrs. They stated that as long as I proved I had the ability to repay they would remodify after the 5 yr term. Fast forward to XXXX XXXX, I submitted for remod, XXXX sat on the file till XXXX XXXX, then sold the file to XXXX XXXX. I contacted XXXX XXXX and they said I had to wait for 60 days till they got the complete file then they would issue me a new remod package. I received that pkg in XXXX XXXX. Completed and resubmitted. They advised me in XXXX XXXX they would no longer accept pmts because the balloon came due in XXXX XXXX. I applied for assistance from the state in hope this would entice the lender to remod. The state said they would provide {$30000.00} but that they could not finalize unless the lender agreed to modify. XXXX did not respond for months but finally told me the investor would not extend the loan because they purchase the file on the secondary market as a fully maturing 5 yr balloon loan. I requested a reconsideration because this was a fraudulent transaction sale as this was sold to me as a balloon with the remod option at the end of 5 yrs. I did not hear back from them. Several months passed and I received notice that Shellpoint Mortgage was now servicing the loan. I requested for the mod pkg. provided all of the items and proof of income to support repayment. They said I cleared underwriting and were just waiting on the investor to determine which remod option was available. This took place in XXXX XXXX. XXXX XXXX they stated they needed 30 more days. I did not hear from them till XX/XX/XXXX. They declined the remod and gave the option to short sale or deed in lieu the home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2017 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: Account status incorrect

Complaint: XXXX XXXX XXXX is still being reported on my credit report. it is over 7 half years old and need to be remove. violate of fcr 611.

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 01-10-2017 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (MD).
Issue: Account opening, closing, or management

Complaint: I received a letter from Bank of America stating that they received a request from an authorized user to validate the debt associated with an account. As I do not have an account with Bank of America, I called the phone number provided on the letter. I was then informed that an account was opened in my name XX/XX/XXXX and then closed XX/XX/XXXX, the same year I was divorced. 
XX/XX/XXXX, my ex-husband added himself, both his current name and his alias, as authorized users to an account in my name which was closed XX/XX/XXXX. Furthermore, the Bank of America letter stated that a credit card had been issued in his name, and that I was responsible for all charges made by the authorized users on the account.The bank could not explain how someone could add himself as an authorized user on an account that was closed. In addition, they explained that the only way he could have done this is to have someone impersonate me, use my social security number, and answer my security question ( s ), which he had to have created in the first place. The representative with whom I spoke shared with me the phone numbers listed on the account, none of which are, or ever have been, mine. 
XX/XX/XXXX, my ex-husband called the bank again to inquire about the balance of the account. 
Another alarming factor of the situation is that the correspondence I received from the bank listed my name and my current address, which been my address only since XX/XX/XXXX. Therefore, my ex-husband was able to provide the bank with an address which was not his, to gain information about an account in my name.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-11-2016 about Debt collection (Medical) with State Collection Service, Inc. (WA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: For the period from XXXX XXXX, 2015 thru XXXX XXXX, 2015, my medical insurer was XXXX. During the same period, XXXX XXXX was my medical device provider. XXXX has repeatedly attempted to collect for rental for a XXXX for the treatment of XXXX XXXX. According to XXXX, XXXX did not obtain pre-authorization to bill XXXX for the rental of the XXXX and denied charges for the certain months, but has paid their portion of the charges for other months. XXXX has advised me on multiple occasions that I am not responsible for payment under the terms of their agreement with XXXX and that I can not be billed for the contested charges. However, XXXX has repeatedly attempted to collect directly from me and on several occasions has placed the charges with a collection agency. ( I will note that my complaint is strictly against XXXX, not the collection agency ) Furthermore, I have documentation from both XXXX and XXXX that the CPAP rental for XXXX 2015 was paid, yet XXXX continues to claim I owe them {$300.00} for that period. 

Presently XXXX claims I owe them {$980.00} although this figure seems to fluctuate from month to month with little explanation as to why. As recently as XXXX 2015 XXXX claimed the amount due was {$1900.00} Finally, I made a payment of {$490.00} in XXXX 2015 for for the XXXX, 2015 machine rental, under duress, in order to prevent the charge being sent to collections. I am contesting that charge as well and want the money refunded. 

I have referred this issue to the Washington State Attorney General 's Consumer Protection Division but their role in this matter appears to be limited to mediation with no apparent enforcement authority. To date neither XXXX nor XXXX have responded to the WaAG-CPD inquiry. I was advised by the AG 's CPD office that private legal action may be my only option, but did suggest that a complaint with CFPB may also be helpful.

Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2017 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: Credit Score Dropped by 100 points over night with absolutely NO changes. I have been working very diligently to repair my credit. I have been watching all 3 CRA 's on a daily basis, and was making excellent progress. I recently disputed a few inaccurate items, and reported some Fraudulent Activity on my Credit Report. My Credit Scores had an extreme drop in some cases up to 100 points overnight. I have researched this, and have found that many people have the exact same issue. If you dispute inaccurate information on your credit report, you are punished by the CRA 's. This can not be legal, and certainly is not fair. To add insult to injury, the CRA 's are of no help whatsoever. I have spent countless hours on the phone with all 3 agencies.

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 04/29/2016 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I have not received the written investigation results of any disputes with Equifax. The credit bureau has denied me access to credit monitoring. I am not able to access any of the online results from investigations that have been completed. I have been denied credit within the last 90 days, therefore, I need an updated credit report to determine why this happened. XXXX denied my credit card application based on Equifax report and I need to know why.

Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, 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: I disputed unauthorized inquiries on credit report on  XXXX / XXXX /   2017  and  XXXX / XXXX / 2017 . The inquiries were not removed, nor did I receive a written response within the required 30 day time frame required by law. Many of the inquiries are duplicate inquiries.       XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09-05-2016 about Student loan (Federal student loan servicing) with GREAT LAKES (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: When I took a XXXX mortgage on my house the loaner insisted we pay the loan in full and we did. Great Lakes XXXX.mygreatlakes.org XXXX is charging us interest from after the loan was paid off. They wo n't stop calling and emailing. This is harassment. I have sent them a copy of the check 3 times and they wo n't stop.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (PA).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: I applied XXXX XXXX credit card in XXXX XXXX it stated in their website that " Earn XXXX XXXX Starpoints after spending {$3000.00} in first 3 months ''. I hit the spending threshold in XXXX, but now, 5 months past, I still do n't get my welcome bonus points. 
During that time, I tried to contact their customer care by phone and online chatting no less than 10 times, they just keep asking me to wait.

Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I bought blinds through XXXX. I paid for service and goods at time it was rendered. I NEVER applied for financing. Somehow, XXXX applied for the financing anyway, refunded my payment, which I did not notice, and financed the blinds through XXXX. The address on the account was incorrect, I had no idea the account existed, and had a 30 days late notice- which has ruined my credit score. As soon as I pieced this all together - I paid in full, which was my intent originally.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2017 about Credit card () with CITIZENS FINANCIAL GROUP, INC. (CA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: i got a letter in the mail today from citizens Bank saying I was denied credit. The problem is that I never applied for credit card with them and furthermore I have had a fraud alert on my credit report with all XXXX bureaus stating that I have had people submitting fraudulent applications in my name and in case anybody applies for a credit card under my name to call me first and verify that is me before they run my credit!! Needless to say I never received a call yet they still ran my credit which severely impacts my credit score. when I tried calling them I just keep getting rerouted and rerouted from Department to Department until eventually I got a departmnent that was closed!! This should be illegal ... what is the whole point of a fraud alert if they do n't follow the rules??!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-01-2017 about Credit card or prepaid card (Store credit card) with STERLING JEWELERS, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: In 2015, I was contacted by someone on behalf of Jared 's Jewelry about a debt that I failed to uphold payments on. I was told that if I was to pay an agreed amount on that debt, the collection would be removed from my credit report. I paid as agreed and Jared 's refused to uphold their end of the bargain. I wanted to make things right on my end of the deal, which I did. I expect for Jared 's to do the same. I have paid this debt and would like for it to be removed promptly from my credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (GA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: When my student loan was in repayment I would make a payment and if the payment was short they would not add the payment to my account until it was the full amount although it was two account they would not pay any of the account but instead they would report both account to the credit agency as being late. For example of my payment was {$50.00} and the payment was {$40.00} they would to apply it to any of my account and when I inquire why they would only say that that was the rule. They would hold the payment until I make another payment then they would apply it to my account which mean I was paying more interest than I would have had they apply the payment although it would not cover both account. At the time I did not know that I could have reported it to this agency. My loan have since been forgiven because I am total and permanent disable veteran.

Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ENCORE CAPITAL GROUP INC. (AZ).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: False reporting to Big 3 Credit Bureaus. Issue resolved and closed. The incident is also impairing my ability to acquire personal credit.

Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2017 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: Account information incorrect

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, GA XXXX Phone : XXXX, eMail : XXXXXXXXXXXX Date : XXXX XXXX, XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Sir or Madam : I have approached Credit Reporting Agencies multiple times to correct the erroneously entered data such as delinquent, default, charged off, collection account etc. from my Credit file with them. Credit Reporting Agencies are refusing to remove the incorrect data from my Credit File. Credit Report reflects serious delinquency, and hence, my credit rating is severely damaged, affecting availability of credit from Financial Institutions. 

Therefore, I request your intervention to rectify the situation at your earliest convenience. 

Thank you Yours sincerely XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2016 about Money transfers (Domestic (US) money transfer) with WESTERN UNION COMPANY, THE (TN).
Issue: Fraud or scam

Complaint: My mother sent me {$50.00} from XXXX, MI, I went to pick it up at XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX.The attendant behind the counter said that Western Union is requesting my Full SSN and that he could not complete the transaction until he had it. I know this is not correct, but he was holding my money hostage until he had my SSN. I 'm contacting your agency because I think that the store or Western Union is doing something illegal in this practice. The store also charged me an extra dollar before they gave me money. I called Western Union, but have not heard anything as of this complaint. Could you please find out why western Union or the store needed my Full SSN, and please help me get my dollar back. I 'm attaching a copy of the receipt from the store, thanks so much for your time, XXXX XXXX XXXX.

Company response to consumer: Closed with monetary relief