milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-03-2017 about Student loan (Non-federal student loan) with AES/PHEAA (PA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I obtained several private student loans through National Collegiate and Trust between XXXX and XXXX to pay for expenses while I was going to college. Due to a death in the family and several financially difficult situations, I used the available deferment on my loans so they would not default. I graduated in late XXXX and, after moving to a new job in XXXX, was finally able to pay the full amounts due each month. I have paid my loans on time for since XX/XX/XXXX and am now more financially stable than my aging mother who is the co-signer on one of my loans. As this loan also affects my mother 's credit, I called the loan servicing company recently and requested to have my mother released as co-signer. I was told by AES ( the loan servicing company ) that because I used forbearance/deferment in the past, my mother is never eligible to be released as the co-signer. I was never told this would be a consequence when I was given the option of deferment and find National Collegiate and Trust 's policies to be unfair and unclear. Furthermore, they advised that my loans are not eligible for an interest rate reduction ( they are currently at 7.38 % and 8.0 % ), even with an auto-pay option. I can not refinance my loans because of my debt-to-income ratio, despite the fact that I have good credit and make {$61000.00} annually. My complaint is to dispute their unfair consumer practices. Deferment should not bar any future consideration of a co-signer release and if it does, this should be clearly disclosed to the consumer before they enter deferment.

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 EQUIFAX, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: On   XX/XX/XXXX   I brought a  XXXX   XXXX   XXXX  from  XXXX   XXXX   XXXX  in   XXXX     XXXX , I had just joined the  XXXX  and was heading to  XXXX   XXXX , California to be stationed. Within the first week of having the car, I had to take it back to dealership five time to get work done on it. I got tired of doing that I contacted their big man in charge, he informed me that they were not suppose to sell the car because it was n't ready to be sold, on top of that, the Lady who sold the car to me which later I found out fired, told me that I had GAP insurance and come to find out I didnt, the reason she got fired was because she did alot of lying. I currently still have the car.     I have tried to do numerous times to get them to work with me and they never would.     In   XX/XX/XXXX  , I got stationed in  XXXX ,  XXXX , I have my mother Power of Attroney for my car after I tried to turn the car back in after having some many issues with it and I was told I can not turn it in, and they would contact m y    commanding officer of my command  if i d id. So while in  XXXX  my mother had POA because we would be on  XXXX  alot and communication is not the easiest, they did not want to talk to my mother so they wasnt receiving payments because they did not want my mother doing it and they wanted to talk to me which was impossible.     While on  XXXX  about a year,  XXXX   XXXX   XXXX  decided to set up a court date and we turned in all paperwork stating I was on  XXXX  and that I could not come to court for missed payments, so they garnished my wages and currently is still garnishing my wages for the full amount of the car not just the past due which totally incorrect. From my knowledge, if someone is on  XXXX  and can not make it to court they can not do that and that if my wages are being garnished they are responsible for providing me with a monthly statement of how what my balance is and I have yet to receive one in the year that they have been garnishing my wages. Everyone I have spoke to about this company talks about how unprofessional they are how they just try to get over on service members. Please help me, they are ruining my life.

Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (SC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX XXXXXXXX XXXX Hard Inquiry done without my authorization XXXX XXXX XXXX XXXX- Hard inquiry done without my authorization XXXX XXXX XXXX XXXX Hard Inquiry done without my authorization XXXX XXXX XXXX XXXX Hard Inquiry done without my authorization XXXX XXXX XXXX XXXX Hard Inquiry done without my autorization

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 06/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: Accessed the credit bureaus online to file a dispute on inaccurate personal information and inquiries. Was able to create an online account however I was unable to get pass the identity validation questions. I answered the questions with the answers that I know to be correct however I received an internal error message- the information can not be verified. Obviously the bureaus have incorrect information reporting for me which in turn make it impossible for me dispute the info- which is the whole reason I am trying to gain access to the reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2017 about Credit card or prepaid card (Government benefit card) with Comerica (ME).
Issue: Trouble using the card
Sub-issue: Trouble using the card to pay a bill

Complaint: my Social Security payment money was fraudulently stolen from my card Direct Express card. Direct Express will not resolve the fraudulent theft after many attempts by me and I have heard nothing from them for a month since reporting the theft.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09/14/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with JPMORGAN CHASE & CO. (NY).
Issue: Loan modification,collection,foreclosure

Complaint: I enter loan for the property located on XXXX XXXX XXXX XXXX NJ XXXX with XXXX Bank XXXX XXXX XXXX as trustee of XXXX XXXX Mortgage Trust, loan that has been transferred several time, first to Washington Mutual, then to Chase Bank and now to XXXX. Due to financial hardship I tried to do agreement to return the property after trying multiple times to Refinance the loans which have a very high interest rate, but no response was received. Called Chase to request information about the 2nd loan that is still in the title but they say it is " closed '' do n't know how because their system does n't show as pending, but they are the holders of that note. This is the reason why I need Chase to make a decision and let me do a deed in lieu

Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2018 about Mortgage (Conventional home mortgage) with NAVY FEDERAL CREDIT UNION (MD).
Issue: Struggling to pay mortgage

Complaint: Good morning, I purchased a home from Navy Federal XX/XX/17 at closing my principle and interest payments were XXXX with taxes included, after tax assessments, I now pay XXXX a month which is outstanding and the result of someones inexperienced. I putting a burden on my family, please assist me. I would also ask that you review my closing documents to see how its structured and if follow XXXX XXXX and XXXX XXXX guidelines, at the time of purchase me credit was a high XXXX and low XXXX I received a unfair rate of 4.875

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/23/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Credit Protection Association, L.P. (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received a collection notice from Credit Protection Association L.P. for a debt / service I never signed on for. The alleged original creditor is XXXX for the amount of {$550.00}. However, my electric provider is XXXX and my gas provider is XXXX and I have been making monthly payments to both continuously for the past several years. I have never entered into any agreement with XXXX. I do not entertain solicitation notices either by mail, person, or telephone. When I logged on to the XXXX site, the request a dispute link leads to a server error and does not allow you do take any action.

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 06/24/2016 about Debt collection (Credit card) with WELLS FARGO & COMPANY (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XXXX XXXX took over my charge off a Wells Fargo Credit and has since upped what I owe by over {$3000.00}. How am I supposed to make good on a past debt when the collection company uses a tactic such as this. How can XXXX XXXX charge me additional fees and interest when I never contracted with them, nor have I ever spoken with this Company. This is predatory and unfair to myself, the consumer, when I am trying to work out paying this debt back. I am beside myself at what to do at this point.

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 06/23/2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (WI).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: On XXXX XXXX, XXXX I sent a certified letter to Portfolio Recovery Associates asking for them to validate a debt of mine that had been sold to them on XXXX/XXXX/XXXX. I received validation of this debt from them via mail on XXXX XXXX, XXXX. This letter validated that they had purchased the debt in the amount of {$2200.00}. On XXXX XXXX, I replied to the validation with a letter sent certified mail explaining the situation and offering to settle the debt for {$1100.00}, and also asked that the account be reported as paid in full to the XXXX major credit reporting agencies once they received payment from me. I received a card back from the United States Postal Service stating that a XXXX XXXX received the document on XXXX XXXX, XXXX. I have not heard back from Portfolio Recovery Associates since sending that letter- nearly three months ago. I would like to get this debt settled but have not received a letter accepting or denying my settlement offer.

Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2016 about Credit card () with CITIBANK, N.A. (MA).
Issue: Unsolicited issuance of credit card

Complaint: I had a XXXX through their partnership with XXXX XXXX. XX/XX/2016, they mailed me saying they were ending their partnership with XXXX XXXX. I had no desire to continue my XXXX and since they no longer had a credit card to charge I assumed that would be the end of it. 
However, in XX/XX/2016, I received a billing statement from a Citi Visa card I had never signed up for or activated. The statement was for a {$110.00} membership renewal fee on XXXX. Costco had taken out a card in my name, without my consent and charged me for another year 's membership on it. Unfortunately, my wife saw the bill and paid it before checking if I had ever signed up for the card. 
I called Citi Visa to ask them to reverse the fee and they refused, claiming the account was valid even though I had never given consent to create the line of credit. They also stated that this was a transfer of an existing debt, even though the statement lists it as a purchase and I had no existing debt. When I asked for the address to send a formal letter to request the charge be reversed, they first refused and then disconnected the call when I insisted. After redialing, I was able to get the address and issued a written request to have the charge reversed on XX/XX/2016.

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 05/28/2016 about Credit card () with AMERICAN EXPRESS COMPANY (MI).
Issue: Billing disputes

Complaint: Follow-up on XXXX Did receive, finally, a response from American Express that , I repeat, was NOT attached to their reply American Express indicated XXXX 

My reply is attached ... I think they owe me $ $ on XXXX cards ... XXXX of which should have been canceled by now ...

Company response to consumer: Closed with explanation
Consumer complaint received 10/15/2015 about Credit reporting () with EQUIFAX, INC. (WA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: While checking my personal credit report, I discovered an Unauthorized and Fraudulent credit inquiry made without my KNOWLEDGE or CONSENT by XXXX on or about XX/XX/XXXX on EQUIFAX credit file. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX XXXX has violated the Fair Credit Reporting Act Section XXXX ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I am requesting that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized and fraudulent hard inquiry immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I settled a debt with Midland Credit Management in XXXX 2016 relating to a XXXX account opened through XXXX XXXX XXXX XXXX. XXXX was reporting the account to the various consumer credit reporting agencies as a collection. When I spoke with Midland 's agent, I specifically asked him if Midland could request the credit bureaus delete the tradeline reported by Midland. Midland 's agent replied that yes, they could and would ask the credit bureaus to delete its tradeline after the account was paid. 

However, Midland did not do this. Rather, they simply re-reported the debt as " paid, '' which still leaves their prior negative information on my credit reports and negatively effects my credit scores. I was very specific in my request, and was told by Midland that it would delete its reported information. 

I feel as if Midland simply told me something to get me to pay an account, and had no intention of honoring its agreement. I am aware that Midland records all of its phone calls, so this should not be hard to establish.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-04-2017 about Bank account or service (Other bank product/service) with FIFTH THIRD FINANCIAL CORPORATION (MO).
Issue: Deposits and withdrawals

Complaint: i purchased a money order completely filled out and singned by me, it most have fell out of my purse and someone found it got it cashed at Fifth Third Bank the money order was made out to XXXX XXXX for my rent payment. They never received it so i called the XXXX number XXXX XXXX and it had been cashed at a Fifth Thidr Bank in XXXX Mo. and i purchased another money order for a finder fee of XXXX and it shoed that someone had crossed through the pay to the order of and wrote over it with the name of XXXX XXXX and also crossed over my name, the purchasher and wrote XXXX XXXX on that also. My copy i receiced back was cashed on XX/XX/2017. this money order had been forged and cashed and Not by Me.

Company response to consumer: Closed with explanation
Consumer complaint received 11/27/2017 about Payday loan, title loan, or personal loan (Payday loan) with ACE CASH EXPRESS, INC. (TN).
Issue: Charged fees or interest you didn't expect

Complaint: On XXXX XXXX, 2017 ace cash express constantly called from an unknown number stating they have an arrest warrant for me. They called all my family members including my ex husband. I will never borrow from they again because they were going to press fraudulent charges against me.

Company response to consumer: Closed with explanation
Consumer complaint received 04/22/2015 about Credit card () with AMERICAN EXPRESS COMPANY (FL).
Issue: Billing disputes

Complaint: I made a legitimate charge, was deceived, and when requested support from AMEX, was lied to. I was told via e-mail that I would receive detailed notification in writing/in the mail about my dispute, but was never received. Same time I received correspondence from AMEX separate from the dispute, but never received written detail from AMEX by XXXX Mail ( or otherwise ). Also, when I notified AMEX of the above, I was lied to and deceived. The whole matter cost me {$350.00}, and AMEX did not follow their written dispute process.

Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2017 about Credit card () with AMERICAN EXPRESS COMPANY (VA).
Issue: Closing/Cancelling account

Complaint: I opened up a new American Express Business Platinum card on XX/XX/XXXX to use for business purchases. On XX/XX/XXXX all of my American Express credit cards were hit with an " American Express Financial Review '' in which they suspended all of my accounts and prevented any charging from being done. Since that date ( XX/XX/XXXX ), until now ( XX/XX/XXXX ) I have been working with the AMEX Financial Review team to try and get any documentation required for the accounts. They requested tax documentation from the IRS and I did my best to get them the required documents. Initial forms were faxed to AMEX on XX/XX/XXXX with follow up forms mailed on XX/XX/XXXX. The process continues to this day ( XX/XX/XXXX ) with the final deadline being XX/XX/XXXX. During this time all of my American Express cards were in a suspended state and were unable to be used. Unfortunately it has come to the point where I have chosen to close the Business Platinum card. AMEX charged me an annual fee of {$450.00} on XX/XX/XXXX. Typically, there policy allows for a full refund of the annual fee if closed within 30 days of the previous statement. Due to the fact that my card was suspended and charging was unable to be done I have requested they reimburse the annual fee after having closed the card today on ( XX/XX/XXXX ). I was able to " use '' the card for XXXX days before it was suspended for the financial review - and having since closed the card I will obviously not be using it for the rest of the year. American Express used the suspending of my card and the " financial review '' to insure that my card would age beyond the ineligibility window for an annual fee refund. It is unacceptable to think that they will try and charge me {$450.00} for a card I was only able to use for XXXX days, then punish me and disallow a refund because I was trying to comply with their financial review process which took over XXXX months.

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Fay Servicing, LLC (MI).
Issue: Loan modification,collection,foreclosure

Complaint: Dear CFPB, I am requesting a immediate update on my Modification on my condo. 
Called in and it seems they are not able to update after 60 days. 
Prefer update in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: hello i have in my credit report XXXX account not is mine, and never buy anything for this ammount.

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 08/19/2015 about Debt collection (I do not know) with Hunter Warfield, Inc. (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Hunter Warfield continues to make repeated calls asking for someone who does not live at my residence. They have been told that that person does not live here but they continue to call and leave messages. I have tried calling them to speak to someone but no one answers.

Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with I.Q. DATA INTERNATIONAL, INC. (CT).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I attempted to resolved this debt with this company and they wanted the whole amount which I could not afford at the time. The lady that spoke to me was very rude and told me that if I did n't settled this right away with her that she would not accept any other offer. I since called back on XX/XX/XXXX and I was told by XXXX at XXXX XXXX that I had to pay {$900.00} today in order for them to accept my payments for six months. When I left my apartment in XX/XX/XXXX I was being harassed by neighbors and also given a written notice to vacate the premises because my rent was 2 weeks late. i left the apartment before being served and now they are coming after me with the collection agency that is charging me interest every month. I need to be able to pay them and also maintain my current bills. The Collection company is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX i owed he apartment complex were I previously lived {$3800.00} now my bill is {$4500.00}. and climbing. Please five me some advise. Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2016 about Debt collection (Non-federal student loan) with AES/PHEAA (IL).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: AES advised on a phone call that I recorded that my wages will be garnished but on a private loan unlike a federal loan, they will have to sue in court and obtain a judgment in court. Per Illinois law, they will have to prove that NCT owns this debt and has the right to collect on it. I have multiple recorded calls from AES where they are giving out incorrect information. The call on XXXX/XXXX/16 the rep told they will garnish my wages, he should understand there is a difference between private loans and federal loans, with private loans NCT will have to sue me and obtain a judgment. I have the call recorded as proof therefore AES is committing fraud.

Company response to consumer: Closed with explanation