milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-06-2016 about Student loan (Non-federal student loan) with AES/PHEAA (WV).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I was talked into taking out a private student loan through XXXX XXXX by a parent in XX/XX/XXXX instead of a federal loan. This parent cosigned for the loan. I ended up not graduating due to being placed in the wrong degree and getting frustrated trying to get in the right degree. This happened in XX/XX/XXXX. 6 months later my loan came calling asking for their money. While I was living at home with my parent this was doable. Since then I have gotten married and have XXXX children. I bring XXXX around XXXX a month. My expenses run right at that a month even with government aid. My wife has been diagnosed with XXXX that occasionally leaves her XXXX. I have looked into other jobs but do not meet requirements to move into a higher paying job. My cosigner had XXXX 3 years ago and is still buried in debt from that. My loan has been sold off to American EDucati on services by this point. I have made an attempt to see if they can work with me to make this manage able and all they offer is apologies and that I can apply for forbearance. This loan has been collecting interest since I was approved. It had over {$3000.00} of interest before I even made my first payment. It is still over {$1000.00} above the original amount. I have made a majority of the payments with the cosigner help since the payments began. This is causing XXXX for my wife and I while trying to care for our XXXX children. It has caused tension between me and my cosigner over the financial stress. I have made use of forbearance since my wife and I got married twice I believe but neither was for a long period of time. I see no end to this debt that I do not really have a way to pay on.

Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions 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: This is in response to the Experian credit report I received saying that both XXXX XXXX and XXXX XXXX has been verified. I have contacted Experian endlessly regarding the removal of XXXX XXXX and XXXX XXXX from my credit reports. These are erroneous and fraudulent accounts. I have filed an Identity Theft report with the FTC and I am uploading my drivers license, bank statement as proof of address, as well as both reports from the FTC for these fraudulent accounts. I have also included a copy of my XXXX report showing that XXXX  has done their due dillegence by deleting XXXX XXXX and XXXX XXXX from my report with them. If Experian comes back again and states that both of these fraudulent accounts have been verified as accurate, I will then request the method of verification under FCRA Section 611 ( a ) ( 6 ) and ( 7 ). Please remove and BLOCK both of these fraudulent accounts ( XXXX   XXXX and XXXX XXXX ) from my credit report immediately.

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 01/22/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I ca n't get a power monthly rate even though I pay over 50 % of my salary each month to navient. They are completely unwilling to speak with me about my loans or refinancing and repayment options!!

Company response to consumer: Closed with explanation
Consumer complaint received 06-05-2017 about Debt collection (Credit card debt) with JPMORGAN CHASE & CO. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: on XXXX XXXX 2017 i recieved a letter from XXXX XXXX XXXX. about a credit debt thinking it was a scam i ignored it. went to apply for auto loan and was denied due to collections ( XXXX XXXX XXXX. ) I went on to the credit beauro 's sites and posted disputes not one but twice after XXXX XXXX refused to accept the fact i had disputed it as fraudulent i called them and they did not want to listen as i told them if was a fraudulent account and the bill was not mine far to say they said i would have to have proof well i filed with the federal trade commission identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 12-10-2016 about Bank account or service (Other bank product/service) with CITIBANK, N.A. (CA).
Issue: Making/receiving payments, sending money

Complaint: A reversal of credit was posted to my account without my permission. I bought items from a vendor, the products received was only partial quantity. ie : XXXX pieces of an item and I received XXXX pieces and XXXX pieces of an inferior product. 
I disputed this issue with the vendor and vendor would only refund if I sent back the inferior product at my own expense. 
Doing so would only decrease my refund substantially, when I DID NOT order the inferior product in the first place. Their mistake and I should not pay. 
One later, Credit Card company reversed the credit and charged me the full amount of {$550.00}. 
After XXXX letters to Credit Card Company, this issue has not been resolved and I am advised I have no other recourse.

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 11/24/2017 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: EXPERIAN AND XXXX XXXX CRA VIOLATION NOT MINE SENT XXXX XXXX INACCURATE INFOMATION HIPPA VIOLATION

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 02-10-2018 about Payday loan, title loan, or personal loan (Payday loan) with CURO Intermediate Holdings (IL).
Issue: Struggling to pay your loan

Complaint: Today XX/XX/2018, I contacted a third party collection agency to set up a payment plan for a debt in the amount of about {$620.00}. The original creditor is a loan company. I couldn't get an account number but they knew who I was and verified by date of birth from the start of my call. I asked to get the account number and confirmation number and wanted to see it reflects on my credit report. I was put on hold. I was given their payment options but it wasn't favorable. I made my own terms but still given their option and asked would I be penalized for just paying what I can instead of making payments according to their plan. I couldn't get a direct answer. I was put on hold and then disconnected. I never received an account number or anything just amount and two settle plans I didn't want. I just wanted to pay on the account and receive verification and information about the account. Please help if you can. I need this debt cleared.

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2016 about Payday loan () with CURO Intermediate Holdings (OK).
Issue: Can't stop charges to bank account

Complaint: Under Oklahoma law I am eligible for a EPP ( extended payment plan ) for my payday loan with Speedy Cash. ( My bank is XXXX ) Speedy Cash refused an EPP because they said even though Oklahoma XXXX allows unlimited EPP 's their company policy only allows one per year. So, I asked them to hold my loan a week and they refused that as well. The representative advised me to stop payment on the loan then make a payment plan ... .can you imagine?? I 've never stopped payment on anything in my life. If Speedy Cash is n't going to follow Oklahoma Law they should n't be able to operate in the state of Oklahoma.

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (DE).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: Applied for, and was approved for an American Express XXXX XXXX credit card on XX/XX/XXXX under a promotional offer awarding XXXX XXXX points for {$5000.00} spend in 3months, and an  additional XXXX XXXX points for an additional {$10000.00} spend in 6 months. The offer was valid through XX/XX/XXXX. I met the required spend numbers in XX/XX/XXXX ( for the first {$5000.00} ), and XX/XX/XXXX ( for the additional {$10000.00} ), yet was not awarded the sign up bonus. 

I contacted American Express numerous times about this and was constantly given the run around, even after uploading a screen shot of the offer that I signed up for. I called back in today, I believe my sixth call or contact regarding this matter, and was told that I was not eligible for the bonus " due to the channel in which I signed up. '' I signed up using an official publicly available offer directly from americanexpress.com using the " Apply '' button directly below where the terms of the sign up bonus offer are listed on my screen shot. 

I have attached an image of the screenshot of the offer I took at the time of my application and would be happy to provide access to my computer for a forensic analysis to prove that the screenshot is my own, and was taking contemporaneous with my XXXX XXXX Credit Card application.

Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: TransUnion Credit Reporting has consistently failed to report on my credit report the existence of my XXXX XXXX XXXX credit card. Both XXXX and XXXX report the existence of this credit card, but not TransUnion. When I phoned TransUnion in XXXX XXXX about this material omission, I was told by TransUnion that they never heard of my credit union, and that the only way TransUnion would report my credit card is if XXXX were to contact the TransUnion Sales Department ( and become a client of TransUnion ). However, when I then spoke with XXXX XXXX XXXX, they told me they already report to TransUnion, and other XXXX credit card members do have their XXXX Credit Card information being reported by TransUnion. XXXX told me to go back to TransUnion to file a complaint, but again, TransUnion already told me to tell XXXX XXXX XXXX to contact a sales rep from TransUnion. Below is the last email I received from XXXX XXXX XXXX about this matter : -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - On Fri, XXXX XXXX, XXXX at XXXX XXXX, XXXX, XXXX XXXX XXXXXXXXXXXX XXXX wrote : XXXX XXXX, I had reached out to Trans Union on more than one occasion after speaking with you informing them of this specific issue. 
I confirmed XXXX does report its data to TU ; in addition, we tested other member accounts from XXXX to XXXX and they are reporting accurately. 
Both XXXX and XXXX are reporting your credit card correctly. 
My recommendation would be for you to contact them directly ; the following information was received from their web site : CREDIT DISPUTES Dispute an item on your TransUnion Credit Report or check the status of an existing dispute XXXX XXXX XXXX XXXX | VP Collections Manager XXXX XXXX XXXX XXXX XXXX XXXX XXXX , Ma XXXX XXXX XXXX XXXX | Tel XXXX XXXX XXXX| Fax XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - This suggestion by XXXX XXXX does not actually help me, because I had already contacted TransUnion and TransUnion already told me they never head XXXX XXXX XXXX Union, and the only solution is for XXXX XXXX XXXX to contact a sales rep from Trans Union to open an account with Trans Union. 

Clearly, someone here is not telling me the truth, but there is nothing more I can do about this situation. 

I would like TransUnion to report the existence of my XXXX XXXX XXXX Credit Card which is an account I have had for several years now and already appears on my other XXXX credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NV).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I am having a very hard time with the following XXXX XXXX ACCOUNT XXXX, reporting incorrectly on my credit report. This erroneous line item is causing a DRASTIC reduction in my score unfairly. 

I have called XXXX XXXX numerous times, and they keep telling me that they do agree I paid the account in Full by XX/XX/2017. Then they say that same day it went to Charge Off Status. Why would it go to charge off, after I paid the  balance to XXXX? this is causing it to incorrectly report as a paid charge off, depsite them admitting I paid the bill entirely, on time. Then they say they will open an internal dispute, and nothing ever happens. I want this line item to read, never late, paid as agreed. This should not be a charge off in any way. I try to dispute it with the credit bureaus, However they are failing to take action on the line item and either remove it, or edit it to show paid as agreed. In summary I was NEVER LATE on this account, and I paid it in full. If XXXX XXXX wants to close the account at their discretion - FINE, but that does not have ANYTHING to do with false reporting. 

Please see the following facts 1 ) XXXX XXXX XXXX continues to say {$340.00} was charged off. However that is false. I included my bank statements to show when payments were debited from my account. They will now admit by phone I DID pay the balance in full at XXXX PM on XX/XX/XXXX. At this time when I called to make the payment, NOTHING was mentioned about a chargeoff or account closure. 

2 ) XXXX XXXX XXXX WAS NEVER CHARGED OFF, it was paid in full on XX/XX/XXXX. How can you charge off {$0.00}? Please, I kindly ask you to review the payment information below. Its reporting wrong and causing me denial in credit unfairly.. 

3 ) They even report FP = Failure to Pay. How can this OBVIOUS mistake continue to report. There is an FP reporting for XXXX and XXXX, but CLEARLY, you can see a payment was made in both of those months. Attached below is my bank statement showing the payments. Furthermore how can it be an FP, if the balance is {$0.00}?! There was a balance in XXXX, if I failed to pay, then HOW DID THE BALANCE GET TO {$0.00} XXXX XXXX Account # XXXX was never charged off. It was paid satisfactorily with {$0.00} balance, BEFORE chargeoff I kindly ask if you can please change the status to correct it, and show as CLOSED/PAID SATISFATORILY or PAID AS AGREED, CLOSED or PAID/CLOSED ( or something like that? ). The chargeoff is ERRONEOUS, and hurting my score unfairly. 

I appreciate your help.

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 09/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAVALRY INVESTMENTS, LLC (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: ( Cavalry portfolio services ) This company pulled my credit report with out me giving them my consent. 
I called them and they keep saying they did n't but it 's clear they did because its on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2016 about Credit reporting () with EQUIFAX, INC. (MN).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I am a victim of identity theft. The following accounts are unauthorized and fraudulent and do not belong to me : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX County District Court. The following inquiries are unauthorized and fraudulent and do not belong to me : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2015 about Mortgage (Home equity loan or line of credit) with TIAA, FSB (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: Everhome Mortgage, This is my second complaint. This company is manipulating my XXXX payment. Every month they send out my statement on the XXXX or XXXX citing regulation that requires them to send the statement 20 days in advance of payment. What this does it that it prevents the statement from showing the most current and up-to-date information. Every month I have this following issues : ( 1 ) each month my statement shows a past due balance, ( 2 ) The statement is never current meaning my statement for XXXX XXXX payment does not reflect my XXXX payment, ( 3 ) Interest is calculated on the a higher principal balance each month, ( 4 ) I can never tie into their interest calculation, ( 5 ) They never disclose the dates used in calculating the interest for each period. 
The most important issue her is this - Instead of my monthly interest payment going down it goes up each month despite paying down my principal. This is a clear indication that something is wrong. Either the twenty day rule needs to be revised or there is abuse somewhere. Here is an example Everhome Mortgage Billing Structure XXXX XXXX XXXX XXXX XXXX Payment Due Date XXXX XXXX XXXX XXXX XXXX Payment Date XXXX XXXX XXXX XXXX XXXX Past Due - XXXX XXXX XXXX XXXX Current Payment XXXX XXXX XXXX XXXX XXXX Min Payment Due XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX Finance Charge XXXX XXXX XXXX XXXX XXXX Payment ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) New Balance XXXX XXXX XXXX XXXX XXXX Principal Balance XXXX XXXX XXXX XXXX XXXX Please look into this for me Thanks again for all the work you do

Company response to consumer: Closed with explanation
Consumer complaint received 05/28/2015 about Credit card () with WELLS FARGO & COMPANY (OR).
Issue: APR or interest rate

Complaint: I just learned today from a XXXX XXXX XXXX XXXX that there is a XX/XX/XXXX law stating that credit card companies have to give you the option of freezing your account at the current interest rate before raising it. Wells Fargo did not do that for me in XX/XX/XXXX, instead just arbitrarily raising my rate from about 12 % to 30 %, where it has been since. Had they given me that option, I would have frozen the account and it would be paid off today as it has a limit of {$2500.00}. When I left a message for my banker about this, I got no response. 

I recently got fired because I XXXX in the work place and I can not pay my rent, let alone a credit card bill. I need help. The fee for the " non-profit '' counseling center Wells Fargo sent me to is higher each month than the 30 % interest!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (NJ).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: My name is XXXX XXXX back in XX/XX/XXXX I received a phone call from XXXX about modifying my mortgage, it seem like a very good idea, since I was in a pick a payment loan with a negative amortization. We decided to take XXXX XXXX offer and modify. I was on the phone for about an hour, providing them with all the necessary information. They told us that it would take 2 to 4 weeks before we would get modified, 3 weeks went by, since I did not hear anything from XXXX I decided to call them for an update. and he told me that I was missing some documents. ( bank statements ) I told him that I had faxed over the bank statements 3 weeks ago.
Neatness to say I faxed over the documents again, by then my mortgage was due, so asked do I pay my mortgage or do I wait for you to call me. He said that I was modifying and I did not need to pay the mortgage, it was going to be added on to the new mortgage. but I did need to keep continuing paying my 2nd mortgage. By XX/XX/XXXX I received a letter for XXXX stating that I did not pay my mortgage. And I could be facing foreclosure. I immediately call XXXX about this letter. The funny thing about XXXXXXXX I could NEVER get the same person on the phone. Now, they told me that I was missing documents, ( most recent pay-stubs ) now I started to certify all letters to XXXX and fax them also. By the end ofXX/XX/XXXX. I received another letter in the mail, this time it said that I was going into foreclosure, by now we had enough of this, so I called XXXX to tell them that I did not want to participate in there games, and that I needed my original loan! until they said that I own them $ over 10000. How can I owe you that much in 3 months! When my mortgage was only {$1600.00}. a month. By now I was very scared, so XXXX  left me with no choice but to continue with this nightmare Again they asked me for more documents, by now there was no way out for me and my family, XXXX  was running the show and we had no control of our life 's. but we wore still paying our 2nd mortgage. I spoke to so many XXXX representative, ( have a record of ) every month they would ask me for the same things. I started to certified letters. It was always something they need it, but the funny part about it, they would never call me, I would ALWAYS have to call them, and of course, I would never talk to same person! This nightmare went on for a year, by now my credit was ruined. I 'm asking to have that removed from my credit bureaus as I had no control of the situation.

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 08/25/2016 about Bank account or service (Checking account) with SANTANDER BANK, NATIONAL ASSOCIATION (DC).
Issue: Deposits and withdrawals

Complaint: My ATM card was lost or stolen. As a result of that, someone was able to deposit a number of fraudulent checks to the account bearing the name of XXXX with a claim number, my name, old address ( I no longer live at that address ) and a amount ranging from {$300.00} to approximately {$400.00}. There are a lot of them all done on XXXX XXXX. Then money was withdrawn the following day which resulted in an overdraft of {$6000.00}. The {$25.00} I had opened the savings account with was gone as well. The name of the bank is Santander Bank. I called them when I logged into my account yesterday to check my balance and got the shock of my life. I immediately called them after checking for my debit card because the checks were deposited via ATM. They told me my account had been compromised and they had put a block on the card. I was also told to file a police report ( which I did ) and I am waiting for an investigator to get back to me on that. I do n't understand why I was not notified about this before it got out of hand. Now, I have no use of my checking account and no debit card and a ridiculous amount of an overdraft. Why would a bank allow this? I have a XXXX prepaid bank card and they call me if I spend {$3.00} at XXXX for a cup of coffee to be sure I am the one that did it and they also send an email. Santander did none of that. I had to find out by logging in to my account. The account is very new and thank XXXX I never had my paycheck directly deposited to that account as I was about 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