milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/30/2017 about Student loan (Federal student loan servicing) with NELNET, INC. (PA).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I believe the reporting requirements for the Interest rate repayment plans are not clear. I was never told I needed to file an IRS form to my student loan and was NEVER contacted by phone. I was only emailed to an email box that is full of junk email, and received only one letter. As a result, my payments started to accrue ( I WAS STILL UNEMPLOYED ), and I was recorded as delinquent. This has reduced my credit score almost XXXX points.
Nelnet refuses to remedy this action. The customer service support was rude, self-aggrandizing, and ARROGANTLY PATRONIZING. This SHOULD NOT BE the attitude of a government loan servicer!
Additionally, they should have known I was still unemployed as they can see I have no XXXX or similar, but clearly, I should have been called when my account was seen as delinquent.
THE WORST THING IS ... NOW THAT I HAVE SHOWN PROOF OF MY CONTINUING UNEMPLOYMENT, MY SCORE SHOULD NOT BE IMPACTED AND I SHOULD GET CREDIT FOR THOSE MONTHS UNEMPLOYED! I intend to work for a nonprofit and I need all the months I can get as my job ( ONCE I EVEN GET ONE ) will not be highly compensated.
The fact that I was treated rudely and disingenuously by an individual at NELNET when I went to clarify this problem is just sickening. THESE ARE THE KIND OF MISTAKES THAT LEAD PEOPLE TO BELIEVE ARE COUNTRY IS FALLING APART! The person who delivered such patronizing customer service should be reprimanded and put on watch!

Company response to consumer: Closed with explanation
Consumer complaint received 04-09-2017 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (OK).
Issue: Shopping for a loan or lease

Complaint: I have not heard anything from my dispute. Ally says that I did not contact them about my check being expired, but I contacted them twice at the number that is on the check. They said the time is over for payment of my check. I would like for ally to honor my check or give me a credit for the check on my next car payment. I have already explained what happened and why the check did not get cashed. I do n't understand how they can send some money back to cfpb, and NOT know where or whom they sent it to. They did not even give me the courtesy of responding to my dispute.

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 10/26/2015 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (VA).
Issue: Loan servicing, payments, escrow account

Complaint: I wanted to make a payment in advance to my mortgage with Bank of America. I could not find any clear direction on the website to complete this. I have had issues in the past with additional payments being credited to the principle of the loan rather than as advance payments as agreed. 

I called the customer service number. I was directed to give reason why I wanted to pay in advance in a letter to the " pay in advance '' department.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2017 about Debt collection (I do not know) with Southwest Business Corporation (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I notified the collection agency and XXXX XXXX XXXX that this is not a valid debt. Further, I invited XXXX to produce documentation of a valid debt. Upon validation, I would happily pay the valid amount due. XXXX XXXX XXXX has contacted me as recently as a month ago about a separate matter. They had every opportunity to discuss this alleged debt then, but chose not to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2017 about Consumer Loan (Vehicle loan) with NORTH STATE ACCEPTANCE LLC (NC).
Issue: Problems when you are unable to pay

Complaint: I am financing a car with North State Acceptance. I started making payments XX/XX/XXXX. 
I have problems initially before I purchased the car, mechanically, several issues. I 've only had the car 3 months or so and had to put another motor in it and a catalytic converter, a steering column frame, and cutting off issues. I purchased the car from XXXX in XXXX NC. On Sunday, XX/XX/XXXX, I woke up and my car was not in my driveway. My car payment is not due until XX/XX/XXXX and I am not behind. I called North State and asked if they had my car, and they said no. The gentleman said that I was up to date on my payments, which I already knew that. So i dialed XXXX and had an officer come out because I thought my car had been stolen. The officer on the case called me on Monday morning, today ( XX/XX/XXXX ) and told me that in his search for the car, he found that it had been repossessed by North State Acceptance by error. Mind you, I just spoke to a representative and they assured me that it was not them that took my car. ( XXXX XXXX ) Now, here I am having to get a ride from other people or cabs because of the negligence of North State Acceptance and their misinformation. Now I have to wait for them to bring my car back.

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 TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XX/XX/2015, my vehicle was charged off, after being unable to pay for the vehicle. the vehicle was added to my credit report, however he account was never closed. I have contacted the XXXX XXXX XXXX Account # XXXX, with ending amount of {$9600.00}. I contacted the company and offered to pay 35 % of the amount owed. ( {$9600.00} ).  XXXX XXXX XXXX XXXX XXXX counter stating they would settle for {$10000.00} XXXX increased the amount after knowing that I was in the process of buying a resident.

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 07/28/2016 about Student loan (Federal student loan servicing) with WELLS FARGO & COMPANY (LA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I filed Chapter XXXX bankruptcy ( XXXX ) and succeeded in getting XXXX student loans included and discharged based on undue hardship. The same month that I filed ( XXXX ), Wachovia changed the name of the loans and re-aged them to XXXX and reported this new information to the credit bureaus. When the discharge was final, ( XXXX ) the original loans were listed as " Included In Bankruptcy '', " Balance {$0.00} '', but I now had these re-aged, renamed loans on my credit report ; therefore, I still had the same student loan debt. 
When I wrote to Wachovia about the matter I was told student loans can not be discharged in bankruptcy and that Wachovia did what it was supposed to do.

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 04-02-2016 about Money transfers (Domestic (US) money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (DC).
Issue: Money was not available when promised

Complaint: I submitted money to a XXXX Confererence organization and related hotel, the total is about XXXXUSDby policy, the payment is refundable, when I required the payment return, they could not response right, so how to do? 

The contact information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX - Texas United States Tel : XXXX XXXX XXXX Website : XXXX/ XXXX XXXX XXXX XXXX XXXX E-mail : XXXXXXXXXXXX Web-site : XXXX Tel : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2017 about Credit reporting () with Experian Information Solutions Inc. (VA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: The U.S. Department of Education discharged my student loans as a result of my total and permanent XXXX on XX/XX/XXXX. Navient in turn discharged my student loans and reported this to all XXXX credit bureaus on XX/XX/XXXX. The Florida Department of Education received notice from XXXX on XXXX XX/XX/XXXX that my loans were discharged. Nonetheless, and inexplicably, the Florida Department of Education reported my loans not as discharged, paid in full, with XXXX balance, but rather reported them as in a balance status of {$100000.00} and {$95000.00} on XX/XX/XXXX. Now, each of the XXXX credit bureaus -- XXXX, Experian, and XXXX -- is incorrectly reporting that my loans are in balance status when they have been discharged by the US Department of Education and XXXX for total and permanent XXXX and should show XXXX balance, paid in full, and closed. This represents deliberately false reporting to the credit bureaus and is discrimination against a XXXX person. These loans have been discharged for over 130 days. Please immediately resolve this and ensure that all parties and all credit bureaus show these loans as discharged, paid in full, and closed, with XXXX balance.

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 08/14/2015 about Mortgage (Conventional fixed mortgage) with M&T BANK CORPORATION (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I am a HUD approved housing counseling and have been working with XXXX XXXX to assist with her mortgage situation. I have faxed a third party authorization to M & T Bank XXXX times first on XXXX/XXXX/15 have confirmation sheet it was received and they I call to speak to someone regarding the file and was told they did not show authorization on file. I faxed the authorization a second time on XXXX/XXXX/15 again go a confirmation it was received but they are stating they do not have authorization on file. This has happened to me on other file I have been working with M & T Bank so they seem to have a pattern of not getting authorization even though we have verification they received.

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2017 about Prepaid card (General purpose card) with CITIBANK, N.A. (CA).
Issue: Fraud or scam

Complaint: I was gifted with a prepaid debit mastercard from XXXX around 1 year ago. I did not use the complete funds before the expiration date, and when I requested a new card be submitted I was told the card was expired ( XX/XX/XXXX ) and the remaining {$77.00} was forfeited. I told them exactly what the Consumer Financial Bureau says on it 's website : " If you have a prepaid debit card and the card expires while you still have money on it, you can request a replacement card to access the funds. 

The funds on a gift card will be good for at least five years, even if the physical card expires at an earlier time. If your card expires and there are unspent funds on it that have not expired, the issuer may give you a replacement card or give you the money by another means, such as a check. Either way, they may not charge you a fee. '' The agent I was speaking to, XXXX ( Agent ID XXXX ) responded that this was not a gift card, but an " incentive card '' and therefor did not fall under the gift card law. But that is exactly what an incentive card is -- a GIFT! 

When I asked where my {$77.00} went, either back to XXXX, or if Citibank Mastercard absorbed the money they would not tell me but instead said that was a private matter between XXXX and XXXX. 

I believe this is a fraudulent withholding of my money, and that they are going against the spirit of the law. 

Thank you for looking over my complaint!

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 11-04-2015 about Debt collection (Credit card) with HSBC NORTH AMERICA HOLDINGS INC. (MT).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: A pervious acquaintance made a purchase from XXXX XXXX on credit. A collection company is now trying to collect the debt from me. I am not a party to the debt, nor have I ever been. I requested verification of said debt, and they sent a copy of a statement in which I am not listed. They refuse to stop persuing collection of the debt unless I file a police report for Identity Theft. I do not see any indication that my identity was stolen by the borrower. I contacted XXXX XXXX and was told that I had been put on the account as an " Authorized User '', but I was not a party to the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2017 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (GA).
Issue: Making/receiving payments, sending money

Complaint: A deposit I made to Well\s Fargo Bank was returned by them and reason was refer to maker when I requested that the Check be returned to me they complied and gave me written notice that it would be removed from my account within 3 business days. I then took said check to my credit Union and verified the funds as it was from an insurance company and made deposit into Credit Union. 6 days later the check bounced at the credit Union because Wells Fargo had resubmitted the check electronically and taken the funds, later I found that they indeed had been paid for that check on the evening I deposited the check so the letter that was generated to me was in fact a false hood. do to the fact that they had released the check to me and were to remove it from my account I in good faith deposited it into credit union and since it bounced I have incurred numerous overdraft fee 's and numerous accounts have put me on a cash only basis. I have on numerous times tried to negotiate with them for reimbursement of what I am out because of their mistake and have yet to get a fair dealing from them. they have skirted around the issue and changed the case number so many times that they do n't know what the main issue is. having tried and failed to deal with XXXX departments in resolving the issue I was forced to file a small claims case against them and have not gotten any response from them. being that I am on a fixed income and these fee 's totaling about XXXX now it is about securing the funds to maintain a meager lifestyle that I have. this has gone on now for 7 months and I am now at the point of filing bankruptcy because of the loss of these funds.

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 11/30/2016 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Unauthorized inquiries on credit report. Have contacted creditors and creditor bureau numerous times without recourse. Many inquiries are duplicates. XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, 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 non-monetary relief
Consumer complaint received 12/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (KS).
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: Was not notified of investigation status or results that I requested in the dispute I mailed. Credit Bureau refused to block item although it remains unverified and they never sent me proof of the instrument mandated that the credit bureau have as per FCRA Section 609.

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 01/14/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: There is an account on my transunion report that does not belong to me. I have tried to contact the collection agency XXXX whom is reporting this account and the phone numbers are disconnected and the fax numbers are no longer in service. I disputed this account with transunion and the response I got was this account was 'VERIFIED '. XXXX did not verify this account because this company is no longer in business. I asked for the METHOD OF VERIFICATION that transunion used and got no response other than XXXX. There is no way that this account was verified if it is gone out of business. This collection account has ruined my credit score tremendously and I am using CFPB as the last resort before pursuing legal action. XXXX all accounts that do not belong to me. I have disputed these accounts numerous times with transunion as well as the collection agencies for VALIDATION and have not gotten a response in 30 days from the collection agency so I am certain that these XXXX accounts have not been properly verified through transunion. I requested signed paperwork with my signature on it for validation that this account belongs to me and transunion nor the collection agencies verified not validated this fraudulent information. This is my last attempt for this fraudulent accounts to be removed immediately since they have not been validated.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-10-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (NV).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This item has appeared on my credit report erroneously. I have requested debt validation several times beginning in XXXX 2015. I have received no debt validation however the agency consistently attempts to collect payment and falsely report on my credit bureau reports with XXXX, XXXX, and XXXX. I feel helpless and experiencing extreme harm to my livelihood in terms of my credit.

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 01/29/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Bridgecrest Acceptance Corporation (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I never had a car loan, I was in XXXX during the time of this loan and I was the vicitm of idenity thedt and I have filied with the ftc.

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 04/26/2017 about Debt collection (Other debt) with AFNI INC. (SC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I am very distressed AFNI have included the below information in my credit profile due to its damaging effects on my good credit standing. I have contact  XXXX   XXXX   XXXX   XXXX  they have never heard of me as a matter of fact I 'm not in the system of there 's. As AFNI are no doubt aware, credit reporting laws ensure that   XXXX   XXXX  &  XXXX    only report accurate credit information. No doubt the inclusion of this inaccurate information is a mistake  on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit recently for a home, better paying job and car for my family which was highly embarrassing and has negatively impacted my lifestyle.   I 'm sure you 'll agree it needs to be removed as soon as possible.   The following information needs to be verified and deleted from my credit report as soon as possible : CREDITOR AGENCY - AFNI Original Creditor -  XXXX   XXXX   XXXX   XXXX  {$510.00} Please delete the collection above asap possible.      XXXX   XXXX   XXXX   XXXX  Illinois  XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2015 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (GA).
Issue: Taking out the loan or lease

Complaint: I purchased a car XXXX 2013. I had never purchased a car that had to be financed until I purchased this one. When I purchased the car I was not explained to completely about the terms, especially when it came down to APR. When I purchased the vehicle the amount I financed was XXXX. I have paid XXXX. My payments are {$580.00} a month. My account pay off as of today is XXXX. So in almost XXXX years my amount has only lowered by XXXX. I will never be able to pay off this amount when they are putting {$400.00} towards interest and only {$180.00} towards principal.

Company response to consumer: Closed with explanation