milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-03-2016 about Student loan (Federal student loan servicing) with Collection Technology Incorporated (AZ).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: There is a company which was able to collect a student loan debt which is over 13 years. They were able to solicit to the Department of Education to take my income tax refund. The debt is too old according to law to collect. It is over 10 years old. The name is Collection Technology at XXXX, CA XXXX. The U.S. Department of Education, The National Student Database and the debt is too old to collect by taking a person 's income tax refund. I contact the Department Education and was inform my refund will not be returned. I no other option than to sue the Department of Education if this matter is not resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 10-07-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: Bank of America Credit card issued, then suddenly canceled within less than one month of use for no reason. I have paid for the charges made on the card but refuse to pay the ridiculous fees for the banks error of issuing the card and closing in 3 weeks! Final statement was never issued and instead late payment reported to credit reporting agencies. Damaged my credit significantly from mid XXXX to XXXX and horrible customer service at XXXX/ Bank of America !

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 03-03-2018 about Debt collection (I do not know) with Experian Information Solutions Inc. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I have called XXXX in XX/XX/2018 about having my pay collection account take off of my report. It have been 41 days and it still on my credit.

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 06-05-2015 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I 've repeatedly told XXXX XXXX XXXX, XXXX XXXX, XXXX, and now XXXX, that the delinquent student loan document # XXXX is not mine. I did not fill out the loan documents nor did I sign them. This student loan is for XXXX XXXX. I did not attend XXXX. I 've reported to all XXXX credit bureaus that this is not a valid loan and shown proof of signature verified by an XXXX XXXX here in XXXX XXXX. Someone created this loan in my name and XXXX will not wish to recognize my argument. I 've repeatedly have been denied credit for home refinancing and purchase because of these false derogatories. IT ISNT RIGHT THAT I SHOULD SUFFER BECAUSE OF XXXX 'S CARELESSNESS IN LOAN PROCESSING! Frustrated, I have on retainer XXXX XXXX Attorney XXXX XXXX XXXX number XXXX. Feel free to contact me at XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-06-2018 about Debt collection (Other debt) with Professional Debt Mediation, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX XXXX XXXX is attempting to collect a debt that was paid by my security deposit. They failed to send the proper documentation in the correct amount of time after I moved out of the apartment. A walk through was completed and nothing was mentioned that any money was owed after move out. I didn't receive a security deposit letter advising me what I owed for or any pictures of the claimed damages. They also falsified documents stating that I didn't pay a security deposit in the amount f $XXXX. I have a letter and emails stating that the amount was received. The apartment complex changed management companies after I moved out and no one seems to have any information pertaining to my lease. This is completely illegal and needs to be removed from my credit.

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 01-02-2017 about Student loan (Non-federal student loan) with PNC Bank N.A. (SC).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I took out a loan from PNC for school which my parents co-signed for. When I graduated I thought the PNC loan was transferred to XXXX with the rest of my student loans since I had not received a letter about interest or payments since I took out the loan. Sometime shortly before I graduated my parents went into bankruptcy. The other loan they co-signed for still sent letters about interest, explaining why they could no longer ask for payments and informing me that the loan was now in forbearance. No such letter came from PNC. Two years after graduating I got a postcard ad from PNC about having an account with them. This was the first time they had contacted me since I took out the loan. I called the bank to ask about the loan. They told me that there was no loan on file for me so I figured it was closed. XX/XX/XXXX my parents finished with their bankruptcy. Shortly after, PNC sent a letter to my parents that I now owed {$5000.00} more than what I took out since it had been occurring interest. I called the bank and they told me the loan was actually {$8000.00} more than the original amount and that they were not allowed to send letter since my parents were in bankruptcy. I explained I called and asked about the loan, which they said there was no record of, and that they had been sending letters about interest since I took out the loan. The phone number and address on file were both current with my parents so all letters should have been send to them. They are religious about getting my mail to me. I asked for a list of dates the letters were sent and the addresses. I was assured I would get this information but it never came. I even got a lawyer to send a letter but the bank refuses to help. I pay my loans on time and paid the interest on the other loan that was in forbearance. I have even paid off XXXX loans early. I would have paid the interest on this loan to prevent the {$8000.00} increase. I understand I owe the bank for the original amount and I will gladly pay it, but I would not owe {$8000.00} more if the bank had sent proper statements before my parents went into bankruptcy and had not told me the I did not have a loan with them when I called.

Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2018 about Vehicle loan or lease (Loan) with City Enterprises, LLC (TN).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX XXXX is reporting on credit twice and it needs to be permanently deleted from all 3 credit bureaus 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 06-06-2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NY).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: My loans with XXXX XXXX was transferred to Navient, since they came on with this company been a calling asking for some type of financial assistance, whether its forbearance, deferment, or income base payments, everyone gives you a different response and now my loans is 4 months late effecting my credit while other lenders have been of assistance. The representatives are rude, they continue to transfer to XXXX rep to another rep to another with no one who can give you consistent answer, its overwhelming and unfair to the consumer

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2017 about Bank account or service (Checking account) with CITIBANK, N.A. (FL).
Issue: Account opening, closing, or management

Complaint: Citibank had a promotion to give you XXXX if you deposit XXXX and not use it for 90days. the 90 days is up and I am having a problem getting the XXXX dollars added to the account

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 10/28/2015 about Payday loan () with Risecredit, LLC (OH).
Issue: Charged fees or interest I didn't expect

Complaint: I have had a loan with Rise Credit for over a year now, they meet every criteria of being a predatory lender. Each time I pay it off I am forced to take out another because the interest and fees of the last loan left me unable to pay my normal expenses. Out of a $ XXXX monthly payment only about {$50.00} goes to principal, I end up paying over triple the amount I originally received by the time the loan is paid off. Since this is an internet company I do n't think they are regulated and I believe they break Federal and Ohio Consumer Lending laws. I selected that I initiated contact but actually I received emails and mailers from them before ever taking out a loan.

Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ALLY FINANCIAL INC. (LA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have written to the companies to inform them that I did not authorize these inquiries made on XXXX XXXX 2017 from ANY auto finance companies. I was previously approved on XX/XX/XXXX through a different lender and never authorized for my credit to be ran again or to apply for finance through different companies.

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 12/21/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: After several phone calls and letters, requesting that they correct my address so I Can receive my free credit report with no success. I get the same run away. I have sent Mail Copies of Dl, power bill, SS card, cancel check. And still same thing ask me to send more. XXXX rep said there was no zip code on my power bill. Which you can Clearly see on the copy. Address and zip name ect ect

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/27/2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (GA).
Issue: Struggling to pay mortgage

Complaint: The lender has failed to respond to our QWR and Notice of error request sent on XX/XX/2017 and are proceeding to sale set for XX/XX/2017 - the lender is in violation of regulation X-12 USC 2605 ( e ) ( 1 )  and the client 's right to counsel. We were advised the response to our requests would be provided on X/XX/2017 - this does not allow us to complete our audit of the response to assist our client. An Arbitration complaint has been filed against the foreclosure action and a Lis Pendens will be recorded referencing the same. We request a postponement of the sale date to allow us the time we need to assist our client.

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 10/16/2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (TX).
Issue: Loan modification,collection,foreclosure

Complaint: My husband lost his job XX/XX/XXXX and since he worked out of XXXX the last 3 years we were unable to collect unemployment. I contacted our mortgage company, Wells Fargo XX/XX/XXXX to tell them what had happened and ask for help because my husband has been unable to find work. He was a XXXX of a company and its very hard to find work when you 've been at that level. We have had ccellent credit and have never missed a payment on our bills. I talked to a person named XXXX and with a few short questions, she put us on a special program with a reduced payment from {$1900.00} to {$600.00}. She told me not to pay XX/XX/XXXX payment and that we would start making payments in XX/XX/XXXX. I told her we had automatic withdrawal from our account and asked if that would be continued and she said yes. I asked her several times and told her that I did n't want my credit affected. She assured me that it was set up and would n't be a problem. I did n't get my bank statement for XX/XX/XXXX intil XX/XX/XXXX and had n't checked to see if the payment was deducted because it did n't even occur to me that it would n't be. I got a call from the bank XX/XX/XXXX stating that we were 3 months behind in our payments and our house would be foreclosed on. I tried to call XXXX but got continual voicemail. I left many messages for her to call me with no avail. I talked to the collection part of Wells Fargo and they put me in touch with XXXX 's supervisor and she told me that I was kicked off the program and could n't be put back on again. When I got emotional and told her what happened she said they could make an exception and she 'd have someone call me back. Well appsrently that someonwas the original person, XXXX. She never called me back. Finally after talking to the bank countless times they put me on another program paying double of the original amount, which we ca n't afford, and told me that the only person that could fix the credit issue was XXXX and she 'd be in contact with me. Well, XXXX has yet to call and our credit has a black mark on it. Wells Fargo bought out our loan from another bank and changed the type of loan it was illegally from a fixed to an adjustable payment and it has gone from {$900.00} a month originally to {$2000.00} a month on top of that. They have done so many illegal and immoral things with our loan and I 'm beyond frustrated. I 've tried to work with them. I 've always paid my loan on time and now they are ruining my credit and we still have a loan payment we ca n't afford each month. Please let me know what can be done. They are not going to foreclose on our house for now if we can keep up the payments. We went from {$2000.00} to {$600.00} to {$1200.00} a month now.

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 08/17/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (AL).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: On XX/XX/XXXX, I was charged a foreign transaction fee for a transaction for a purchase through XXXX, even though XXXX is not a foreign company. Additionally, the IRS ( https : //www.irs.gov/uac/newsroom/irs-virtual-currency-guidance ) seems to indicate that purchases on this platform should not incur such a fee. I tried to dispute the charge but the website does not allow customers to dispute fees.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2017 about Bank account or service (Checking account) with U.S. BANCORP (NV).
Issue: Using a debit or ATM card

Complaint: DETAILED INFORMATION IS DOCUMENTED IN THE CHRONOLOGICAL TIME LINE OF EVENTS. 
I am writing this statement to lay out facts and circumstances surrounding the UNAUTHORIZED/FRAUDULENT withdrawal of funds from my personal accounts at U. S. Bank, by XXXX XXXX ( caretaker ). I filed the first claim in XX/XX/XXXX. US Bank approved and paid the claim in the amount of {$1300.00}. I was told to go through all Bank statements going back to when XXXX had moved in in XX/XX/XXXX. I had to order some of them through the fraud department. 
I discovered unauthorized/fraudulent withdrawals from my personal accounts in the amount of {$36000.00}, which began in XX/XX/XXXX. I filed the police report and claim with US Bank. The US Bank branch in XXXX XXXX faxed the claim to the fraud department. I called numerous times about claim and received no response. I finally talked to a man named XXXX in the fraud department who stated he was a supervisor. He said the claim had been approved on XX/XX/XXXX and the funds would be back in my account XX/XX/XXXX. He then told me that if there was more fraudulent/unauthorized actions on my account to fax them to him so that they also could be paid. He then gave me his fax # XXXX. The money was not deposited in the account XX/XX/XXXX. I then called the fraud department again a few days later and asked for XXXX. They said there was nobody by that name that worked there. I was then told that they had never received the claim. I went back to the branch and had them resend it. It was turned over to XXXX in the fraud department. She denied the whole claim on XX/XX/XXXX. How can they pay one part of a claim and deny the other under the same circumstances?

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 03/14/2017 about Debt collection (Payday loan) with Trademark Management Solutions, LLC. (TX).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: I got a loan in XXXX for {$500.00}. After receiving this loan I made 2 payments of {$140.00}. I have not been able to make the last few payments yet. I then got a call from Trademark Solutions saying that I am being charged with check fraud and breach of contract and that they were taking me to court. I was also told they would garnish my paycheck, which I later found out is illegal to threaten me with. They said the only option to settle out of court was pay a total of XXXX-something dollars, or make {$400.00} per month payments totaling to about {$1300.00}. I only owe them $ XXXX {$300.00} dollars. I offered to pay this and was told no. I told them that 's all I can do and I was told too bad.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 07/18/2017 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Problem adding money

Complaint: I was approved for  XXXX  dollars of line of credit from capital one but ca n't receive it.

Company response to consumer: Closed with explanation
Consumer complaint received 12-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with CAPITAL ONE FINANCIAL CORPORATION (IA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I was on XXXX and capital one popped up as card recommended for me, in no shape way or form did I give them permission to run a hard inquiry on my credit. I did n't even apply for the company. I emailed and called and wo n't respond. 


Creditor Contact Details CAPITAL ONE BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08/29/2017 about Debt collection (Other debt) with LINEBARGER GOGGAN BLAIR & SAMPSON LLP (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I called and spoke with company in XXXX. I gave the employee an updated address to mail me something about the amount owed. I emailed XXXXXXXXXXXX about not receiving the letter. It is a little confusing because the letter has fraud as XXXX charge but when I did a search on XXXX XXXX XXXX 's website there is an document that has XXXX. I think it is in the official records search. 

Text from email : To whom it may concern, Please forward this email to the appropriate department. I was told on XX/XX/XXXX that a letter was being mailed to me. I still have not received a letter. The online payment number that is provided on the letter dated XX/XX/XXXX is XXXX. There is also another question that I have that I asked an employee at the XXXX XXXX XXXX XXXX about a corrected document that shows on a search that has XXXX as the charge but the letter mailed to me in XXXX  has Fraud Insuff Funds. Please look into this. 

Sincerely, 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 01-10-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (NY).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: Its my American Express Gold Card Ive had since 1994. I reported thousands of dollars in fraudulent charges in as much I never used the card for certain specific reoccurring transactions that kept appearing on my statements and I have never authorized anyone to use my card. The result was simply issue me a new card and they only went back a few billing statements when the fraudulent charges went back a lot farther. My bill became unmanageable to pay as was requested and Ive now signed an agreement with a debt settlement company to mitigate the outstanding debt with American Express. They would not accept my updated address to send information to and were very rude to me as a customer of over 20 years : my address for their records should be XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, AZ XXXX. They only accepted my updated phone number but nothing else and also just cancelled my account and a second account that was in good standing! What kind of racket are they running? Ill never utilize their services ever again and will tell anyone and everyone what theyve done to an old client.

Company response to consumer: Closed with explanation