milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/23/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (KS).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I have loans with Navient, my monthly payment changed from about {$80.00} to {$230.00} without the proper notification. I have been steered several times over the course of this loan to take a forbearance and have done so because they have been difficult in providing the option of a finance-based loan repayment. Please help. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2016 about Money transfers (International money transfer) with WESTERN UNION COMPANY, THE (CA).
Issue: Money was not available when promised

Complaint: I transferred {$1000.00} ( XXXX XXXX US Dollars ) to XXXX after paying {$16.00} ( XXXX a fee of {$16.00} ( XXXX dollars ) through the Western Union payable to my younger brother on XXXX XXXX, 2016. As of today, XXXX/XXXX/16 the money was never paid out to my brother. The Money transfer control number is XXXX Western Union refused to refund my money to me as well. Please help out. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 03-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XX/XX/XXXX - I sent notification of dispute by mail to the company. I did not receive any documentation from the company with proof of the debt. I received only a response stating that the debit was valid. 
XX/XX/XXXX - I sent notification of dispute to all three credit bureaus. Experian, XXXX, and XXXX. I received no documentation from either bureau with proof of this debt. I only received a response from Experian and XXXX that the debit was valid and would remain on my credit. XXXX removed the debit from my credit report. 
XX/XX/XXXX - The item remains on my credit report, and I am currently receiving harassing phone calls from their collection agency ( XXXX XXXX XXXX XXXX XXXX ) at my place of employment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/24/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with GLA Collection Company, Inc. (IN).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I had XXXX collections, all less than 500 $ on my credit. most are 2-3 years old. I disputed the balance, as they hospital sued me, which also shows up on my credit report. So the collections show up twice once in collections and once in civil. After complaining ALL the collections were removed and made into missed payments and current debt and not collections.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
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: Un Verified Accounts Pursuant to the FCRA & the FDCPA I am filing this complaint to exercise my lawful right to question the validity of two specific debts that all three credit reporting agencies have on my credit file and claims to have become due and negative. 

According to the FCRA, if a credit file is going to be reported on a consumer 's report it has to be properly verified by the credit bureau. The FCRA states that the bureaus are the ones that have to keep this verification on file. 

I am well aware that under the FCRA section 609 disclosure to consumers, a credit reporting agency is not required to remove accurate derogatory information from my file, unless the information is outdated under section 605 or can not be verified. 

All three credit bureaus have placed this information into my credit file with NO VERIFICATION! Nothing has been done as to whether these accounts are valid, hence they are Unverified! I understand that All Three Credit Bureaus have violated my rights to report these items on my credit report! 

Fair Credit Reporting Act ( FCRA ) protects me and governs the activities of Credit reporting Agencies and regulates how they report information about me. 

They are required to have copies of the original signed credit application in their files, which they have failed to provide to me. Each time I dispute these two entries it has come back as verified within a few days, which further lets me know that they have not fully verified the accounts. They are required to have a copy of the credit application that I signed when I supposedly opened the credit account with the creditor on their files. They have failed to show that their agency verified the information and the accounts belongs to me and to show that their agency verified the information before they placed it on my credit report by identifying the proper identification required ( driver license and SS card ) + a written contract/request identifying 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 07/19/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (CA).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: Hi there, I have spent about five hours trying to resolve an issue that was Amex 's error, and I hope someone can help. I was trying to pick a hotel for my upcoming trip to XXXX the other night. I browsed a number of different hotels via Amex 's travel portal, and eventually decided on one. I filled out the purchase information, and had my boyfriend review the reservation with me. We then placed the order, and on the confirmation page, Amex reported that it had just booked us a reservation at a different hotel than the one we had selected -- one that we had looked at in our search, but decided not to use. This reservation was also marked as non-refundable. We called Amex immediately to correct this mistake on Amex 's part, and were on the phone with them for over 45 minutes. They eventually informed us that it was up to the hotel as to whether or not we could cancel our reservation, and furthermore, that the hotel was currently closed -- we should call back in 2 hours. Since it was nearly XXXX XXXX at this point, I decided to call back the next morning. I did so, and after a long call with Amex, they attempted to call the hotel 's reservation desk and cancel again. This was unsuccessful, and Amex recommended that I call back again at midnight in my local time. I did this, making this the third call to Amex to resolve this particular issue. After another 45-minute call, I was informed that the hotel 's reservation desk was closed again, and was advised to call Amex back at XXXX XXXX in my local time again. This began to become frustrating. I ca n't keep calling Amex to ask them to ask the hotel to cancel a reservation that I never asked for in the first place. I would like Amex to deal with this, cancel the reservation that I never requested, and refund the charge to my account. I understand that the hotel has a no-refund policy, which we noted when we chose *not* to select this hotel in the first place. Since Amex 's website was in error, we would appreciate not being charged for this mistake. Thank you, XXXX XXXX XXXXXXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint: They denied me for the student loan forginess because navient they said I graduate but I did not school close on XX/XX/XXXXXXXX and graduation was on XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2016 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Loan modification,collection,foreclosure

Complaint: I completed the process to request a loan modification under the " Making Home Affordable '' program. After making XXXX consecutive payments, Bank of America has failed to convert me to a permanenet modification which is subsequently causing further delinquency. I am trying to work with my lender to prevent both further delinquency and bankruptcy.

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 11-05-2015 about Mortgage (Conventional fixed mortgage) with LoanCare, LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage with XXXX Bank of XXXX PA has been transferred to Loan Care XXXX of XXXX XXXX XXXX Their customer service is unacceptable. They are inaccessible by phone ( long waiting times ) and their web site does n't function. Have n't been able to set up auto pay. They have horrible ratings by customers on various web sites with very unscrupulous practices such as charging unwarranted late fees and failing to pay escrow insurance and taxes in a timely manner. Look them up on yelp. Do I have any recourse other than refinancing?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Todd, Bremer & Lawson, Inc. (VA).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: I received a letter from a collection agency stating that " my utter lack of cooperation has convinced us that the extra consideration extended in your behalf is unappreciated. Frankly, we doubt that you deserve further consideration and and insist that you pay your balance in full within 48 hours. ''

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 03/28/2016 about Consumer Loan (Vehicle loan) with BB&T CORPORATION (FL).
Issue: Managing the loan or lease

Complaint: I entered into an agreement with Regional Acceptance in XXXX to finance my car. I did not realize that the cost of this loan would be more than double the cost of the car ( and I do take responsibility in not reading the paperwork fully prior to agreeing ). I recently noticed when reviewing a few statements that the way things are being done will cause me to be paying for more years. For example, XXXX XXXX my balance owed was around $ XXXX and XXXX XXXX my balance owe sits at around $ XXXX. So after paying $ XXXX monthly in 3 years my balance only goes down about {$1500.00} per year? This is scary! I am a single parent already struggling and I definitely need my car to keep working. I do appreciate the company working with me since I fell behind on payments after losing my job of 15 years and I am still working towards getting back on my feet. But I am so confused as to how it is taking me so long to pay off my car since XXXX. I was only able to pull up my statements starting from XXXX XXXX to recent. I do not have anything before XXXX XXXX. I am really trying to understand and grasp the best way for me to get out of this hole. Again, I do not want to cause any uproar because I truly need my car to live and I am trying and pushing on a monthly basis to pay the monthly amount but at this rate it looks like I will be paying for 5 more years. How is this 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 03-07-2017 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (WA).
Issue: Loan servicing, payments, escrow account

Complaint: I have been a Wells Fargo customer with my 1st Mortgage and always pay on time with additional payments to principle each month. I owe {$180000.00} on a rental property in the XXXX market that i rent for {$2500.00} month. My credit was XXXX prior to my auto payment error. I wrote emails and letters to Wells Fargo board of directors explaining what happened with their website regarding my one late payment and they did not help me in any way. 
As a real estate investor and borrower with XXXX plus credit i am not satisfied with how they handled the situation. Clearly i make extra payments each month and always have $ XXXX-XXXX a month extra. My late payment was due to their website. They are not helping me and have impacted my credit score which impacts my business.

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 10/14/2016 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I 've sent 2 dispute letters to Experian. One on XXXX/XXXX/2016 the other a copy of the same dispute on XXXX/XXXX/2016 and now a third on XXXX/XXXX/2016. Since my first request ( over 260 days ago ) I have yet to see any investigation of any of my accounts in error or in question.

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 09/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with STERLING INFOSYSTEMS INC (MA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: The company I apppied to ran a background check and the report came back and it 's showing me as a level XXXX XXXX offender. I 've never been charged with any such crime or ever been documented or listed as any kind of offender. Also shows in the comments, text about Nevada and Oregon both states of which I 've never even been to. This information is definitely inaccurate and embarrassing. I need this information corrected asap.

Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2017 about Debt collection (Payday loan debt) with Cottonwood Financial Ltd. (TX).
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint: On Wednesday  XXXX   XXXX ,  2017 an 'un available ' number repeatedly called phone numbers belonging to myself, my daughter and my ex husband ( divorced 13 years ago ) leaving detailed messages regarding a lawsuit filed and the need to serve papers to my home and threatening to contact my employer to serve papers. When the call was answered the individual identified himself as attempting to serve " sealed legal documents '' on behalf  of my local county court office . When pressed for more information the individual indicated i had to call a different number to speak to the lawyers office who filed the complaint. The individual who called only provided his name as  XXXX  and represented himself as a legal process server f or my county. W hen pressed for a return phone number he hung up.     I called the number provided to me and the individual who answered indicated she was a mediator attempting to resolve a dispute prior to it going to court. When asked what matter they were trying to resolve they indicated they were for a " bad check '' and " attempting to defraud a financial institution '' for a debt owed to the Cash Store. Although I have used them before I am not aware of any outstanding debt and the date she said was from last year, and the last time I took a loan from them was many years ago. When I attempted to ask them to remove the numbers for my ex husband and family I was rudely told that I called them and they do n't make outbound calls. At this point I asked to speak to a supervisor. I informed the supervisor that I needed the numbers marks as do not contact and requested and address and fax number for their company to send written  requests and a cease a desist on the basis of their harassing calls. The agent told me they do n't make outbound calls and they had no address to receive mail to. She insisted the company who called me was a 3rd party and refused to give me their name and/or number.
I was never read any disclosure that this was an attempt to collect a debt either.

Company response to consumer: Closed with explanation
Consumer complaint received 06/18/2015 about Credit card () with CITIBANK, N.A. (NC).
Issue: Unsolicited issuance of credit card

Complaint: Got a {$200.00} gift card from XXXX for signing up. Used it XXXX. Then a credit card bill came in the mail from Sears XXXX XXXX for the amount. I did not apply for a credit card at Sears. They refuse to listen to me. They say to pay it. Now they wo n't even talk to me about it because they have turned it over to collection. They are charging me {$50.00} per month for late fees and interest. I do not have a Sears credit card!!! Now my credit is ruined.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-11-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: my recent credit report TransUnion there is a adverse account for XXXX XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX ( XXXX ) XXXX account date open XXXX/XXXX/2013, is an individual account, account type : open account ; loan type GOVERMENT GRANT. PAST DUE {$2300.00} ( all this information retrieve from my credit report with TransUnion ) contacted the US TREASURY and talk to a representative name XXXX stating that there is no records of any debt under my name or social security number. contacted TransUnion credit company and they have open a XXXX investigation to get any results.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2015 about Debt collection (Non-federal student loan) with Williams & Fudge, Inc (UT).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have sent XXXX letters via USPS certified mail at the address listed for the collection agency Williams & Fudge out of South Carolina. The letters detailed my dispute of the debt they were trying to collect in the amount of {$13000.00}. I do not owe this debt and they have failed to provide me with any proof or verification that this debt is mine. They are, however, newly reporting this debt to my credit report. I am unsure if it is reporting with XXXX, but I know it is reporting with XXXX and XXXX. I have just mailed the collection company yet another certified mail letter requesting the debt be removed from my credit because they have failed to verify the debt to me and are in violation of the Fair Credit Reporting Act. I will pursue legal action in small claims court if they choose not to remove this debt which is being reported illegally.

Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with NELNET, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have several student loans with Nelnet per my account : XXXX that have always been in good standing. In 2016 I relocated and Nelnet did not forward my information to my new location. This resulted in my loans becoming delinquent due to clerical error. When I contact Nelnet to remedy I was explicitly advised verbatim by a Nelnet representative that if I opted in to a forbearance of my loans they would not be reported as delinquent to the bureaus, but the drawback to doing this would be that the accrued interest would be amortized as principal on the loan. I agreed to these terms and the forbearance. Instead of this occurring my loans were still reported as delinquent AND the interest accrued was amortized into principal. I was explicitly lied to and coerced into a forbearance when I simply would have brought the loans current if I was n't erroneously informed credit reporting would not be affected. I have contacted Nelnet over a dozen times by telephone, e-mail, secure messages through their online portal, and written letter requesting that they either update my loans to reflect current as the former representative told me they would be, or to undo the amortization of interest into principal. At this time, and nearly a year 's worth of correspondence they have declined to do either. I feel reporting this to the CFPB is the last step I can take in good faith before being forced to pursue litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2017 about Student loan (Non-federal student loan) with DISCOVER BANK (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I took out a {$6000.00} XXXX XXXX private loan that was then bought out and serviced by Discover private loans. My interest rate started at 10.25 % in XX/XX/2015. Discover raises the interest rate every 3-4 months and it is now at 11 %. I also was n't given control over how the payments were applied. So while my loan should be half paid off, it isnt because they applied all payments to interest. Now they give me an option on how to apply overpayments, but it is worded strangely so i never know if im choosing the correct option.

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2017 about Debt collection (Auto) with NCB MANAGEMENT SERVICES INC (FL).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I have received two voicemails from a XXXX from NCB Management with the following details : this is a purchased debt, looking to set up affordable arrangements and the call is from a debt collector. These voicemails have been left on a cell phone, which I have n't extended consent to call, and they 've left very detailed information on a line that is not registered to me nor does it identify me in the recording, which is high risk for third party disclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 07/30/2015 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: SYNCB shows a charged off account. I have disputed several times and sent letters asking where they came up with the original amount, how they got to this amount and proof I agreed to this. It shows {$0.00} due yet still reports negatively on my credit reports. Because of the aforementioned violations, I am requesting immediate deletion of this account from my credit reports.

Company response to consumer: Closed with explanation