milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/29/2016 about Consumer Loan (Installment loan) with ALLY FINANCIAL INC. (FL).
Issue: Taking out the loan or lease

Complaint: In XXXX and XXXX I requested a copy of my credit files from each of the bureaus so that I could check my credit after an issue was brought to light by the IRS concerning a judgment which is a result of Identity theft. On checking my reports I noticed that there is a vehicle loan with a company called Ally Financial which is in default and that i am not familiar with. I need to validate this account. Please ask the company to forward via CFPB all verification documents used to open this account ; signed contractual agreement ; and Identification used to authenticate the account holder so that i can verify this debt.

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 04-07-2017 about Mortgage (Conventional fixed mortgage) with AmeriHome Mortgage Company, LLC (NM).
Issue: Loan servicing, payments, escrow account

Complaint: I have complied with all requests for information to remove PMI from my account and have been told each time that it will take 15 days to process my request. I received one canned email from them which acknowledged my request but ignored all information already submitted. Other than that, nothing ever happens and phone calls to AmeriHome only promise a return phone call from someone who can help - which never happens. Getting through on the phone takes 20+ minutes just to be told that the proper department can not be reached except by email ( as I 've already been attempting ), and that a request will be submitted to have someone call me. I 've done this at least 4 times so far. It has been over 3 weeks since my last request and I had expected to be contacted by now to schedule an appraisal and continue the process, but have heard nothing. I 've been trying for months to get this done.

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 07/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: On XX/XX/XXXX I paid settlement amounts as agreed upon by XXXX XXXX XXXX XXXX using a home equity line of credit. I paid XXXX and XXXX and XXXX to XXXX to settle the accounts and clear the balances owed. The amounts were dispersed by my bank which is a Federal Credit Union. However, the present status shows that I still have a balance owing and past due amount even though the amounts paid and the amounts showing on my credit history are exactly the same amounts. This is negatively impacting my credit history. I called on XX/XX/XXXX to request that they change the status to correctly reflect that the balance amounts were settled upon ( that we agreed upon a settlement ) and that there is a XXXX balance remaining to be paid and no past due amount. I was directed to 5 different personnel and none of them understood why it showed a XXXX balance owed in the system but is incorrectly being reported on my credit report. I was transferred numerous times. The last person I spoke with told me to file a complaint and show my XXXX forms that show the cancellation of debt in the 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 10/14/2015 about Prepaid card (Payroll card) with Empowerment Ventures, LLC (CA).
Issue: Managing, opening, or closing account

Complaint: I am unable to access my rushcard.com account via web, app, atm. I have direct deposit and not able to view any balances. They have given bogus postings on their facebook page as this is the only way to get to anyone. Customer service hangs up on you. I am now not able to move and have lost my deposit due to inability to provide the remaining rent due. I want my funds and compensation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/30/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (DC).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: Navient really needs to be looked into. I was with XXXX until XXXX sold the loans to Navient. Never did XXXX charge me any late fees for being less than a month late. Plus, the amount Navient charges is exorbitant. Navient is a predatory lender. I would have never taken out any student loans, if I had known I would have to deal with such a company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-07-2018 about Student loan (Federal student loan servicing) with GREAT LAKES (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I started additional principal payments about 2 years ago. A year ago I realized Great Lakes was not applying the additional principal payment to the principal. They were instead keeping it as a prepayment. I called and was informed I had incorrectly set up the payment options. I changed the payment options to what customer service advised me, so that excess payments would apply to principal and not just be held as a prepayment. Tonight in checking my account I see that I still haven't gotten any credit for the excess payments and over {$1000.00} is being held as a prepayment while I'm accruing interest on my loan balance. 

As a college grad I find it unacceptable that I am not able to pay off additional principal due to confusing online payment options and inaccurate direction from customer service. 

https : //mygreatlakes.org/XXXX XXXX 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 07-02-2015 about Debt collection (Medical) with Nations Recovery Center (GA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: Nations Recovery has contacted my place of employment three times since I asked them not to do so in XX/XX/XXXX. I work at a call center and they have called our customer service line and asked another CSR to speak to me.

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 04/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Experian have failed to provide validation of public records listed in my file under my name and social security number. I have reached out to the credit reporting agency and they have failed to provide requested information. According to  FCRA 623 ( a ) ( 5 ) if the credit  bureau can not VALIDATE the information they must remove said information from the consumer credit file. The United States Bankruptcy Courts of  XXXX  DO NOT report any activity to credit bureaus. Federal law protects the privacy of most personally identifiable information reported. However, Experian actively searches public records for any judgments and tax liens through third party research. A Bankruptcy is public information. Again the  U.S. Ba nkruptcy Court DO NOT report anything to the various credit bureaus, nor do they verify that the information reported is accurate. Your agency has found information on bankruptcys through third-party research. Please see the attached documents to support my findings. I have reached out to The United States Bankru ptcy Court and re ceived a letter in return stating The Clerks office does not provide information to credit reporting agencies. Experian has not provided any feedback on my request to validate public records. Please see my attached documents.

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 02/25/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MO).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I did not authorize XXXX XXXX Services on XXXX XXXX, 2017 to run my credit. And I constantly asked them to remove inquiry on my report to no prevail.

Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NJ).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: In XX/XX/XXXX Navient prevented me from receiving a lower rate. When the interested rates were changing refused to release my loan information to the lender from the government who promised to lower my loan. I am not XXXX in debt. One loan was XXXX it is now over XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2017 about Student loan (Federal student loan servicing) with Brelvis Consulting, LLC (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I received information from the Student Loan Help Center about a program attached to President Obama 's affordable care act. I was told that this program would allow me to reduce my monthly payments and eventually have my loans forgiven after 20 years instead of XXXX. I was told this would all be done for me for a one time fee that can be split up over 3 months. I would have to fill out an application and " e-sign '' it to complete the application process. However, part of what I was told to " e-sign '' turned out to be some kind of legal contract that I was not informed of. I was told that I would only have to sign in XXXX places and it turns out that my e-signature was placed in at least XXXX other places. Throughout this entire process, the worker over the phone heavily implied that this was run through the government and that they were in fact part of the government. At no point in time was it disclosed to me this was a private company or that I can apply for these type of relief methods myself. This whole process may not be fraudulent but it is predatory. It preys on the fear many students have with large debt and convinces us of a golden way out. As it turns out, the old saying If it 's too good to be true, then it probably is. '' was correct.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with monetary relief
Consumer complaint received 10-03-2016 about Consumer Loan (Vehicle lease) with ALLY FINANCIAL INC. (IL).
Issue: Taking out the loan or lease

Complaint: XX/XX/2006 I went into contract with GMAC to lease with the option to buy a XXXX Pontiac Grand Prix. When I signed the contract, I was told that this would allow me to buy the car if I felt I wanted and I did n't have to go through the whole process of reapplying for a loan. So I ask the lady who I signed the loan with, what does that do to my credit and she replied the balance would change and the monthly charges. I was fine with this. After looking at my credit report more closely I noticed that they stop reporting the correct date of when I leased with the option of buying the car and reported the new date of when I decided to keep it. I would not have signed for the car if I knew it would start the clock of the original debt all the way over. Please look into this situation as I was promised something that did not happen. Now I have debt from XX/XX/2006 with bad history still reporting on my credit report from 12 years ago.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2016 about Credit card () with CITIBANK, N.A. (AR).
Issue: Identity theft / Fraud / Embezzlement

Complaint: On the evening of Tuesday, XXXX XXXX, 2016, my credit card wallet was stolen from the locked trunk of a family member 's vehicle. One of the cards stolen was my Citibank-issued Sears MasterCard. While at the police station, waiting to file a report, I began contacting my credit card companies by phone. I tried three different times to contact Citi/Sears about that card. Each time, I was put on hold for too long. ( And as it turned out, I WAS calling during " open '' hours. ) I continued to work on cancelling cards until I was released from the station and sent on my way home. Once at home, I contacted XXXX XXXX Services, through which I have the XXXX plan. Because my Sears card was registered with XXXX through XXXX, XXXX was able to have my Sears card blocked. HOWEVER, it must have been just a matter of timing, because before the card was stopped, I was hit for {$3600.00} in fraudulent charges at the local XXXX. I did not become aware of this until the morning or early afternoon of Saturday, XXXX XXXX, 2016, at which time I attempted to contact Citi/Sears. My initial point-of-contact took some information from me and then put me on hold for an extended length of time. She finally came back on the line to inform me that the Citi/Sears fraud department is closed on Saturdays and Sundays and that I would have to try again to file my fraud claim come Monday, XXXX XXXX. I find it utterly inexcusable that one of the largest credit card issuers/servicers in the United States does not have XXXX/XXXX/XXXX fraud/loss services available. Once I spoke with them today, I did verify that they are indeed closed on the weekends and only available on weekdays from XXXX to XXXX CST. Again, I find that inexcusable. So, this is the complaint that I wish to submit. A credit card issuer/servicer should be required to provide XXXX/XXXX/XXXX assistance in the cases of fraud and/or loss. Thank you.

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 monetary relief
Consumer complaint received 11/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with NELNET, INC. (MD).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: Nelnet keeps adding balances and subtracting balances from my accounts. This is adversely affecting my credit score! I am in the middle of financing and their frequent updates are extremely detrimental to this process. First and foremost, I have been in student status and military deferment since XX/XX/XXXX, not to mention they did not have my correct contact information and I was not notified that I was out of forbearance. I respectively ask that the late payment statuses XX/XX/XXXX -XX/XX/XXXX be REMOVED and set to CURRENT. As soon as I spoke with a rep at Nelnet my loans were put back in Military deferment/Student Status. Also, I am requesting that all loans older than 7 years be removed/deleted off my credit report at once in order to comply with the FCC, as that is more than the SOL for my state I need this done ASAP, as Nelnet is  doing illegal collecting and reporting porting practices to all three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2017 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (NY).
Issue: Loan servicing, payments, escrow account

Complaint: Supposedly Bank of New York Mellon owns my home and mortgage, along with the deed. I would like to know when this transaction happened, along with proof of paperwork

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 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
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: 3 credit unions were given information supplied from me. This complaint is regarding a trade line on my crit report from XXXX XXXX XXXX. Please the attached letter from the credit union to delete the file. I am also attaching the envelope with post mark on 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 03-07-2016 about Student loan (Federal student loan servicing) with NELNET, INC. (MN).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: I have been XXXX for the last three years therefore i have had multiple student loans my concern and confusion is as to why my loans each semester are separated into multiple accounts if i 'm withdrawing a balance from the federal government for education why is n't it reported as on account in the process of pursuing my degree i'e had to take time off to work to manage bills and debt due to that happening is caused my loans to report as not deferred for a 12 month period causing my credit score to drop at least XXXX points because the student loans report as multiple balances instead of just XXXX as well as multiple late payments now i 'm unable to be approved for an fha loan for at least a year while i wait for my score to go back up what can be done to bundle the balance for student government loans?

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2016 about Debt collection (Credit card) with CITIBANK, N.A. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I file a complaint agains citibank for a collection under XXXX agency, according to the citibank representative they said it take 3 months to process the investigation that is already in file with you they never responded back about their findings and conclusion, however XXXX deleted the collection because there were violations against consumer protection act, this were done by law firm in New York, called XXXX they were the one 's pushing XXXX to delete it and they did, however XXXX and XXXX are still showing the collection therefore I am requesting for citibank to delete the collection from XXXX, XXXX and again with XXXX to be sure that they will not processed it again, Citibank fail to respond back to me with the answer since 5 month ago. the complaint is in your records for you to see. there is no documentation to be submitted because it has been provided already I was just waiting for their response about 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 08-09-2016 about Bank account or service (Checking account) with CITIZENS FINANCIAL GROUP, INC. (PA).
Issue: Account opening, closing, or management

Complaint: I am an XXXX trustee of a trust maintained at Citizens Bank of Pennsylvania. I was REPEATEDLY ASSURED that the trust accounts would not be subjected to any fees, costs, or bank charged. Citizens started assessing a statement fee of {$2.00} a month. I called, they apologized and refunded {$2.00} in XXXX 2016. They reinstated this fee again. I visited a branch and requested that a regional manager call, to no avail. I am a trustee charged with maintaining the integrity of the accounts ( more than {$800000.00} is on deposit here ). They are stealing money and they are not responding.

Company response to consumer: Closed with explanation
Consumer complaint received 05/21/2015 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Experian is reporting a Charge-off on account from a company called XXXX XXXX Acct # XXXX which is not mine and it has not been validated by the credit company despite my many attempts. Experian just keeps on verifying the account as mine and sometimes ignoring my request. Both companies Experian and XXXX XXXX are violating my rights under The FCRA and The Fair Debt Collection Practices Act that states that the claim be disputed and validated. 

I have filed a complaint with the XXXX but Experian just keeps on verifying the account without giving me proof. XXXX XXXX records do not agree they say the account was opened XX/XX/XXXX my credit report says XX/XX/XXXX. The fact is I never opened an account with them and I told Experian about the discrepancies but they ignored it. XXXX XXXX when asked through the XXXX to provide a signed agreement just said that the account was too old for them to have such document. 

I sent a letter to my Attorney General and their office replied that I should contact you and filed a complaint and that if you do n't do anything to quickly hire a consumer lawyer and file a lawsuit on Small Claims and another one on Federal court for both companies violation of both FCRA and FDCPA. 

I am a concern consumer, who like millions of Americans only concern is that Experian accurately reports our data and that respect our rights under The FCRA. XXXX and XXXX both deleted the account when asked for investigation it is Experian who often sides with the creditor without any prove or providing us the consumer with any findings. Is Experian being paid by creditors to report erroneous information on our reports? Does n't Experian has a moral job to report accurate information. It surely does not feel that way, many states and consumers have file lawsuits against this bureau. Please advocate on our behalf so that justice is executed so that we do not pay for Experian 's loyalty to creditors who falsely provide information to damage our credit worthiness.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation