milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (NC).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I previously held multiple accounts with Wells Fargo for many years. The account in question was a secured credit card from XX/XX/XXXX up until XX/XX/XXXX. I would frequent the local branch to keep in constant contact and discuss the best ways to use the card to improve credit. The last conversation I had was when I advised I was no longer employed with my ( now previous ) employer, and I needed to close the account. She advised I just let it sit and it would close on its own and show up as a paid but closed account. I have looked over my consumer credit report, and see a span of time where I was reported late for ( 3 ) consecutive months which had a HUGE negative impact and cost me a lot of money on future accounts in interest as well as lowering my credit rating. I listened to the representative, and am now suffering the repercussions. After doing some research, it has come to my attention that this very well could have been a plot the whole time. The lawsuit proves they do not act in good faith, and have yet to show good record keeping or doing their due diligence as required. This is the second time an oversight has put thousands of consumer 's personal information at risk. I have since closed my previous account, and am about to close my last ones including my business account. As much as I thought they were an upstanding company, they have since proven me wrong. That is a mistake I will not make again. " Fool me once shame on you. Fool me twice, shame on 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 01-09-2018 about Student loan (Federal student loan servicing) with Performant Financial Corporation (VA).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I have three Student loans Disbursement date XX/XX/XXXX for XXXX XXXX  ; XX/XX/XXXX for XXXX XXXX and XX/XX/XXXX for XXXX XXXX. I have been current paying XXXX XXXX for a year and have been in good standing and that has been reported to the credit report. XXXX has reached out to my employer and started garnishing my wages and did not have my correct address or credit name and has been reporting to the three credit agencies that I have been behind. I do n't know who to blame

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 08/21/2016 about Debt collection (Credit card) with CITIBANK, N.A. (CA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Macy 's credit has contracted with outside collectors in the XXXX, XXXX, XXXX, and other area codes. Their credit department is located in Ohio and none of these area codes are Ohio area codes.This means, they have sent my information to contracted collectors throughout the U.S. to attempt to collect a debt which tye refused to take smaller payments on until my finances recover. I had a faulty electrical wiring fire in a home I rented in XX/XX/XXXX and finally got into a new home XX/XX/XXXX.I am a XXXX. This will enable me to complete the process of catching up with my Macy 's bill, the ONLY overdue bill I have. I am concerned about people knowing where I live, work, and ruining my reputation XXXX in which I work and live. Macy 's had no business giving out this information to contracted debt collectors. 
Debt collectors call my home phone and cell phone no less than 10 times a day. I have placed a " tracker '' on my cell phone and XXXX XXXX has records of all the calls from Ohio and other area codes. My phone records can be retrieved from XXXX for my home phone. They also call my adult daughter 's phone looking for 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 non-monetary relief
Consumer complaint received 01-08-2018 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MO).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: -Applying the wrong amounts to principal and interest. My statements show {$230.00} going to interest and only {$34.00} going to principal. 

-Very high interest rates compared to other federal/private lenders. I have asked many time to have this reduced 

Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have had this account since  XXXX   XXXX . I alway s ( ALWAYS )  made on-line payments through my bank -  XXXX   XXXX .  XXXX  always  ( ALWAYS ) a ccepted these payments until  XXXX   XXXX . In  XXXX   XXXX , they accepted the payments and then unbeknownst to me returned them to my  XXXX   XXXX  checking account. In  XXXX   XXXX , I realized the payments were being returned directly into my  XXXX   XXXX  checking account.  XXXX  NEVER reached out to me. Now they have closed my account, and my credit has taken such a big hit I probably can not get a student loan for my daughter 's college tuition. I have complained to  XXXX , yet no one really hears what I am saying. They simply think I am in the wrong without looking at the facts. In fact it feels like no one gave me the time of day. I sent them plenty of proof.

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 01/24/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NJ).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I have attempted to make payment arrangements on many times and I was always put on a forebearance which has made repayment very long and costly. I never was offered other suggestions or repayment options. I was a single mother trying to assist my son with college and took out a XXXX XXXX Parent Plus loan the first in XXXX/XXXX/XXXX in the amoutn of {$15000.00} at rate of 3.45. I took a {$9000.00} loan at rate of 8.50 on XXXX/XXXX/XXXX and {$4500.00} at rate of 8.50 on XXXX/XXXX/XXXX. I was grateful each year my son received academic scholarships and I took less.The XXXX XXXX loan was eventually taken over by Navient. The current balance with interest is {$31000.00}. I called them recently when they increased the monthly payment to {$700.00} which I could not afford. Throughout the years I continued to make payments but whenever I called to get assistance or suggestions with payment arrangements I was always put in forebearance. It seems like this loan will never go away. I work full time as an RN and I pay a mortgage payment as well as other household expenses as head of my household/single mother. I feel grateful my credit rating has not been jeopordized in any way due to the outstanding balance on Parent Plus Navient loan. I have called XXXX XXXX currently Navient many times since XXXX always in an attempt for payment arrangements or to discuss the loan. I feel that Navient has steered me a struggling borrower and single mother of XXXX sons toward paying more than I should have on these XXXX Navient Loans. I believe that Navient also obscured information needed to assist me in maintaining and being able to afford lower payments. Navient harmed my credit since I was declined on two attempts to refinance my high mortgage rate in obtaining a lower interest when mortgage rates dropped which would have saved me XXXX of dollars in mortgage interest and given me a more affordable mortgage payment. I feel XXXX a financially vulnerable borrow, single parent of XXXX college aged sons these practices prevented med from securing some or all of the benefits of the plans that were intended to ease the burden of unaffordable student debt. Navient also misreported information to consumer reporting agencies which is the cause of my mortgage refinance to be declined on XXXX separate attempts.

Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with DISCOVER BANK (TX).
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint: I have b een a Discover ca rd customer sin  XXXX . Over this time, I have reached my maximum balance and have paid off in full several times, the last time I paid off in full (  XXXX  ) was in  XXXX   XXXX . I have continued to use the card since, and because I have been using automatic deduction from my primary checking account, I did not realize that there have been an increase in my APR to 29.99 % from  18  ; however the rep I spoke to stated that it had bee n 24 for s ome time. I was also told that because I had been late in  XXXX !, they had raised my APR, and unfortunately, would not be able to lower it. I have a fair to good  credit score ;  however it is generally in the good range, as I am able to meet my financial obligations. I feel violated by Discover, and after searching on the internet I now realize that there are many more consumers with similar complaints.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/17/2017 about Debt collection (I do not know) with Allied Collection Services, Inc. (Nevada) (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Around XX/XX/XXXX, Allied Collection started reporting a retail collection, on behalf of XXXX XXXX, to my credit. According to the report, the account is from XX/XX/XXXX, yet this is the first I 've heard of it. I do n't know what XXXX XXXX is. I have never heard of that store, and certainly never shopped there. 

I tried to look it up online and all I found was a loan company with tons of complaints about fraud and operating without a license/illegally, etc. I 'm not sure if this is the same, since loans are n't retail, are they? 

Either way, the balance has somehow increased from {$300.00} to {$380.00}, which is also odd for an account that I did n't even know existed and has been closed for five years. I 'll be honest, the whole thing is suspicious, not least of which that I never got a bill or collection notice in five years.

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 05-01-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: i have excellent credit just check my report using Trans Union they are XXXX creditor on my report all my application got turn down from these creditor trans union say i should call and ask for a deletion letter i call but keep getting redirected

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 Debt collection (Medical debt) with Capital Accounts, LLC (FL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: Capital Accounts failed to notify me of any alleged debt with their office. The account appeared on my credit reports to my surprise. On XXXX XXXX, 2016, I authorized XXXX XXXX XXXX , XXXX to dispute the alleged debt with Capital Accounts. Capital Accounts failed to validate the debt in accordance with 15 U.S. Code 1692g.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2017 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: I have written all three Credit Bureaus XXXX, Transunion and XXXX about my daughters XXXX  student loans still reporting on my Credit Report way passed the seven year mark. The following dates are listed XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX. I feel that the loans should be deleted because its past seven years. XXXX has also deceived me in the past asking for my Pay stubs saying I would be in deferment and they have constantly added lates every month recently as if I should be paying. They never put anything in deferment but have been constantly adding lates and dropping my score and the credit bureaus have allowed this. I ask for a fair investigation and they failed to provide that if they did they would see that XXXX is reporting and inaccurate and would have deleted the account for being inacurrate or for again it being passed seven years. XXXX is not the only account passed the seven year mark still reporting. I have a XXXX account and a XXXX account from XX/XX/XXXX and XXXX XXXX XX/XX/XXXX both again passed seven years I feel the bureaus are almost getting a kick out of seeing my down and not be able to obtain credit because I have wrote them several letters concerning this and I have been treated unfairly

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 12-01-2017 about Money transfer, virtual currency, or money service (International money transfer) with BBVA COMPASS FINANCIAL CORPORATION (TX).
Issue: Fraud or scam

Complaint: I tried to contact the bank first because somebody used the business card of our company to buy different items. As soon we noticed that some transactions happened in XXXX we went to the bank to block the debit card and to make a report. 

A couple of days ago the bank responded that they think we made the transaction. I have enough notes that we were in XXXX during the incident and all the transaction says something about XXXX. 

We want to resolve this issue because the amount is over {$3000.00} and we need the money to keep working. We just missed our sales monthly goal due to this incident because we did not had enough gas to keep driving and go to work with our employees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 05/25/2016 about Student loan (Federal student loan servicing) with AES/PHEAA (OH).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I have Federal Student Loans currently being handled by FedLoan Servicing. I have Federal and Private Student Loans with American Education Services. All of these loans, along with other Private Loans, have funded my undergraduate and graduate degrees. FedLoan and AES are both connected by the " Pennsylvania Higher Education Assistance Agency ''. I applied for the Student Loan XXXX. Some of my federal loans were taken over, from XXXX XXXX to FedLoan Servicing. Without my knowledge, FedLoan recalculated my loan term and my monthly payment nearly doubled. I had several unfruitful conversations with FedLoan. When the XXXX program became available in XXXX XXXX, I submitted XXXX applications : XXXX to XXXX and XXXX to AES. Since XXXX XXXX, I have been paying on the loans to XXXX companies that do not meet criteria for XXXX, and I have been threatened and harassed by XXXX companies for the rest while hearing no news of the status of my repayment plan applications ( which at this point have occurred repeatedly ). In fact, an amount near {$400.00} was debited from our bank ( by AES ) due to not processing requests to cancel Direct Debit payments. I have canceled my Direct Debits with XXXX companies at this point. There is currently an Administrative Forbearance on my FedLoan accounts, which I did not approve. Per statements, my loans continue to accrue interest that I am responsible for while FedLoan attempts to resolve this issue. Most recent documentation includes a request to call this company once again. The documentation I received before that was a letter stating that my XXXX application was denied " ... due to the following reasons : '' and the rest of the page was blank. I have requested that ALL of my Federal Student Loans be handled together, in writing, on the applications where this option is indicated. I do not know what to do anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (NV).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: I had funds being transferred from XXXX to XXXX to a chase checking and some of the money was not accounted for ... I originally filled a complaint with the OCC and they in turn handed it over to the FBI finance division who apparently sent me a letter to an address I do not live at and it was returned. Now with out the special file number on the letter I can not get the information. I called the FBI who gave me the finance divisions number who in turn said no information with out the number on the letter. I asked them to resend the letter and they said no go without the file number in this letter. What to do? Need I say more! So how do I find out if chase was responsible for the account errors? This was in 2012 Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with MIDCOUNTRY FINANCIAL CORP (MN).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have  XXXX  hard inquiries on my credit report that I have been done without my consent.  XXXX  from  XXXX    XXXX      XXXX   XXXX   dated  XXXX   XXXX   2017,   XXXX  from  XXXX   XXXX  dated  XXXX   XXXX    XXXX   and  XXXX  from  XXXX   XXXX  dated  XXXX   2017

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 03-05-2016 about Credit card () with BARCLAYS BANK DELAWARE (GA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I had a credit card account with Barclay which was closed a year ago ( XXXX XXXX ). The online account even shows " This account is closed. Website functionality will be limited. '' Last month ( XXXX XXXX ) I suddenly got a statement via email showing that I owe {$35.00} from a fraudulent purchase. I called customer service and explained that this account was closed and that they should remove the charge and really close the account. I was told again that the account is closed and that the charge will be removed. Yet, this week ( XXXX XXXX ) I received another email alert for the same charge.

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 01/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN).
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: On or around XX/XX/XXXX I noticed that I had some inquiries on my Transunion credit report that I did not approve. The following day XX/XX/XXXX I sent a letter to Transunion explaining how I did not authorize these inquiries listed on my credit and I wanted them removed. Transunion replied by sending me a standard letter explaining why inquiries are on my credit and none of it dealt with unauthorized use. I then contacted them several more times over the course of a year ( XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ) about the unauthorized inquiries to no avail.

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 03/28/2017 about Credit reporting () with EQUIFAX, INC. (CO).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I am trying to refinance my house and I have learned that credit score information provided to consumers is not the same information used by mortgage companies. One mortgage company told me that it is " the fact of life '' and difference is usually at least XXXX points. While it appears to be a small number it does impact the rates available. In my case, I checked my credit score through the credit card companies which indicated that I had score in excess of XXXX. When I applied for mortgage, I was told that my credit scores came back as XXXX, XXXX, XXXX. There is obviously different ways of calculating credit scores which are supplied to mortgage companies vs those provided to consumers. It is not right.

Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2016 about Payday loan () with CASHCALL, INC. (MA).
Issue: Charged fees or interest I didn't expect

Complaint: I obtained the loan for {$5000.00} on XXXX XXXX XXXX. They added a {$75.00} fee to the total of the loan resulting in financing {$5000.00}. I paid {$250.00}. Monthly for 12 months ( {$3000.00} ) on or about XXXX XXXX XXXX I paid the loan off at approximately {$5000.00}. As it turns out this was a 120 month loan. Had I taken it to term I would 've paid {$30000.00} total to borrow {$5000.00}. 
Long story short .... I paid {$3000.00} in payments, my total payoff on the loan was more than I borrowed.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation