milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/26/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: I only attended the school for less than 6 months. Could n't do the work and was getting no help and then the Dept of education investigated the school for fraudulent loans which then resulted in them closing the school down. XXXX XXXX was where my loans were then Navient started harassing me saying they took over the loan and would n't work with me even though I had already started working with the federal student loan filing a discharge of loan due to school closure. Navient then without service of paper work filed a case against me and managed to get a lien to take all of my money from my bank account. No notice was given, I found out when I was checking my balance and seen no money and I called my bank. I then called XXXX XXXX and filed an excemption and had to wait 15 days to see if Navients attorneys would oppose it, they never did so my money was released but now I have to figure out how to close the court case against me. All this time Navient would n't speak with me and the attorneys would n't send me any documentation showing me why they filed against me. They were rude and irate with me.

Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2017 about Credit card () with AMERICAN EXPRESS COMPANY (VA).
Issue: Rewards

Complaint: I signed up for American Express Platinum credit card in late 2016 and was given the points bonus of XXXX membership rewards in XX/XX/XXXX when I completed the sign up requirements in the allotted time. I had points in the account already that put me at a total of about XXXX points currently ( as of today, XX/XX/XXXX ). I have had the points at my disposal since then however I went to use them today XX/XX/XXXX and was told by their system " your account is under review and you can not use the points ''. I contacted Membership Rewards as directed and all they could tell me is that some returns during the initial bonus time frame caused my account to go under review. I was never notified of this review. The points were in my account but unusable, for 3+ months. All American Express told me is that they will escalate it and ca n't guarantee any response time frame but if I do n't hear back within 10 business days, to call back. And they would not give me a reference or ticket # or anything, they simply said my account will be noted. All I have is the supervisor 's name and badge # I spoke with. Now that I need to use the points I can not and I have an upcoming trip I had saved them for. This needs resolution as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/31/2016 about Credit reporting () with EQUIFAX, INC. (MN).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I received a release of IRS and Minnesota Revenue tax debt by filling out innocent spouse forms and this debt was from my ex husbands business in which I just signed the tax returns at the end of the year. His business was never in my name. I believe the tax debts that were released from me should not be on my credit report at all being that it was never my debt and the IRS and Minnesota Revenue released me from these debts.

Company response to consumer: Closed with explanation
Consumer complaint received 06-11-2015 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (DC).
Issue: Loan modification,collection,foreclosure

Complaint: I lost my $ XXXX. to a lie and was black balled in the education profession. Our teacher unions failed us but XXXX will take of this unjust situation! I have been unemployed and underemployed off and on since then. My mortgage company refused to modify my loan even though I informed them of my work situation. I have the White House and the Office of the Comptroller involved with this situation, I have been actively employment. This stress has caused me to have XXXX, XXXX and XXXX XXXX XXXX. Currently, have to go back and forth to the ER and XXXX XXXX XXXX for treatment. 
I filed numerous complaints to Office of the Comptroller, White House, XXXX, &. XXXX XXXX XXXX. Last year I told the I plan to sell the house. All of a sudden the mortgage went up to {$2400.00}. How did it go up that high when I could afford {$1800.00}?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: Account was noted on my account as a chapter XXXX bankruptcy and when I requested XXXX XXXX to fix this issue with the credit bureaus they stated that they informed all three credit bureaus that the account is closed, Per XXXX and Equifax and XXXX the account is still noted with an error with a remark and comment saying account was included in bankruptcy when it was not. XXXX refuse to send me a letter stating that the account was reported in error and that it is closed so that I can forward the letter to the credit bureaus for them to report the information correctly on my credit report. this is for account to which I had a XXXX credit card that was closed by XXXX on XX/XX/2017

Company response to consumer: Closed with explanation
Consumer complaint received 08-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX XXXX XXXX XXXX is reporting several student loans incorrectly and more than once. They show the following loans as " Paid was 120 '' when in fact I had submitted my deferral paperwork on time and had even called several times to follow up and was reassured that it was in process and that there would be no impact to my credit. Loans : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, These also transferred and are being handled by a different company. It is duplicated and incorrect.

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 11/14/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Payoff process

Complaint: I have the balance on my card for a year and the amount owed has not come down at all. I think this is robbery and illegal. I am making a formal complaint because this is fraud. To charge a customer to use an account and have them pay you back is bad customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: Equifax, have incorrect information in the credit files of XXXX and XXXX XXXX identical twin brothers, creating violation of the fair credit aact and fair transaction act causing adverse decision in consumer reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 05/25/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with I.C. System, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX is trying to make me pay for a service I did not have. I Canceled my service with XXXX XXXX XXXX on The morning of XXXX XXXX, 2015 then turned my equipment in which was XXXX box and XXXX remote the following Friday which was XXXX of XXXX. I canceled my service with XXXX because on XXXX XXXX of 2015 XXXX XXXX XXXX came and installed XXXX and Internet, so at this point I know longer needed service from XXXX XXXX XXXX that is why I canceled Friday morning XXXX XXXX, 2015. Two weeks after this I received a bill from XXXX XXXX XXXX for {$41.00}, claiming it was for service from XXXX XXXX to XXXX XXXX of 2015, but I did not have service from XXXX XXXX XXXX on those dates, I owe them no money. I then called them and spoke to a supervisor talked about the situation and they said the charges would be dropped. About two weeks after that I received a letter from a credit agency claiming that I owed XXXX the {$41.00} plus interest which now they claimed was {$58.00}. This agency was called " XXXX XXXX XXXX '' I contacted them and also sent a letter 100 % disputing the validity of their attempted collection, I explained to them what happened & about 10 days later I received a letter back from them stating they were dropping the attemped collection after reviewing my information that I had given to them. so after speaking to XXXX XXXX XXXX and then dealing with this credit management collection agency I thought everything had been dropped. unfortunately I was wrong it 's been almost a year later and now I and being harassed by another credit collection company called " IC System ", they are claiming the same thing the first credit card company stated, so I contacted them and also sent them a letter and paperwork 100 % disputing the validity of their notice. now they are claiming they never received a letter from me so today I 'm sending them off another letter, very frustrating this 'll be the second one I sent to them. At this point I 've called them and sent a letter disputing the validity of their notice and they will still not quit calling and harassing me, Now they 're saying if They do n't get the letter to them in time they 're going to report me to the big credit agencies. Report me for what, I have done nothing wrong I owe no money & this notice is completely bogus. please help me resolve this issue ... ... I have excellent credit and they are trying to ruin it, they are creating a lot of extra XXXX in my life and XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2017 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: Account information incorrect

Complaint: On experian report a company called  XXXX   XXXX   XXXX  put something on my report in error. I have resolved issue with   XXXX   XXXX   XXXX   they sent me letter saying they would have it removed. i also sent letter and dispute to experian and the results per Report Number :  XXXX  on  XXXX / XXXX / 2017  was that the information remains. This information should not be reporting and i did submit the documentation from   XXXX   XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/23/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with Alliance Data Card Services (MD).
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint: I was shocked when I reviewed my credit report and found two late payments on the following date : XX/XX/XXXX & XX/XX/XXXX I am not sure how this happened. I believed that I had made my payments to you when I received my statements. My only thought is that my monthly statements did not get to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10/14/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (TX).
Issue: Deposits and withdrawals

Complaint: I closed my checking account with Wells Fargo on XXXX XXXX 2016. I did it online and got a message on the screen telling me all my remaining funds were going to be sent to me by mail. About a month after that I called the bank and they indicated that the check had been returned due to a bad mail delivery and that they were gong to try rensending it. I did n't hear from them anymore for a while. In XXXX I went to a branch located on XXXX XXXX in XXXX and talked to XXXX XXXX there. He called the Bank for me and was told to ask me If i was still residing in an address in XXXX. I have never lived in XXXX. So they said they were gon na see what options they had to finally send me my money but most probably they were going to send me an affidavit by mail to confirm my address and once I return it I will get my money. It 's already the XXXX and I have not heard from them at all or received anything. They owe me at least more than {$200.00}. I do n't know the exact amount. At this point I 'm suspecting they probably also create a fake account or accounts in my name because I have never lived in XXXX. Only in XXXX and XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2016 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (OR).
Issue: Loan servicing, payments, escrow account

Complaint: I have a cost for " court '' costs of {$950.00} with no explanation I think because I filed a complaint against them. This cost is unfair!

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 06-11-2015 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (CT).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Capital One refuse to validate. I do n't remember paying anyone credit company since XX/XX/XXXX. They said its XX/XX/XXXX, I know its not correct. 
XXXX I sent a letter to validate

Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2017 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: Other problem getting your report or credit score

Complaint: I pay XXXX XXXX powered by XXXX every month for credit monitoring services and the information reflected on my reports are inaccurate. I have five active accounts ( XXXX {$750.00}, XXXX XXXX {$650.00}, XXXX XXXX XXXX {$650.00}, XXXX XXXX {$4800.00}, XXXX XXXX {$8200.00} ) with revolving credit that totals {$15000.00} but only {$10000.00} is reported on my reports. This mishap is affecting my credit score. 

Also, I have aliases on my reports. I do everything with XXXX XXXX as well as sign with XXXX XXXX. I need the following aliases removed from my reports. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/30/2017 about Debt collection (I do not know) with Midwest Recovery Systems (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: On XXXXX XXXXXXXXXXXXX XXXXXXXXXXXX/XX/XXX/span> I get a notice from XXXX with XXXX. The notice said there was a change to my credit. I logged in and checked my credit. There was a collection account with Midwest Recovery Systems from XXXX XXXX MO.,  Listing a debt of $XXXX. I have no idea what this is other than I know it's not mine!  I looked them up and they have been reported numerous times to the BBB for false collections,  such as this.  I called XXXX and and emailed them.  I also submitted my complaint online to dispute it.  I've been through enough with their data breach and there must be something done to keep these false reports added to consumer credit reports as easily as they are!

Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2015 about Credit card () with AMERICAN EXPRESS COMPANY (NY).
Issue: Other

Complaint: American Express ( Amex ) failed to follow their letter dated XXXX/XXXX/2015 ( copy attached ). 

I am in full disagreement with Amex 's failure to transfer XXXX earned points from my closed Amex account # XXXX to my open Amex account # XXXX ( copies to follow ), because Amex stated in their XXXX/XXXX/2015 letter, " that as per the MR Terms and Conditions if you cancel your enrollment in the program and do n't keep open any American Express Cards, all points in your program account will be immediately forfeited ''. The key word in this quote is the word " any '', which pertains to my open Amex account XXXX On XXXX/XXXX/2015 I advised Amex in my letter ( copy attached ) of this open Amex account. 

Amex needs to transfer my earned XXXX points to my open Amex account XXXX per their terms and conditions.

Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, 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: The company which has still reporting the unauthorized inquiry in my credit report is Equifax.      XXXX   XXXX   XXXX  made the inquiry on  XXXX   XXXX ,   XXXX   by mistake and without my authorization. When I contacted  XXXX   XXXX   XXXX , they apologized and said file a dispute and when Equifax investigate it they will call us, we will tell them it was unauthorized and they will delete it.     Things did n't go that way, I filled the first dispute with Equifax Confirmation #  XXXX  on  XXXX   XXXX ,   XXXX   and Equifax came back to me with a letter stating that the inquiry is true and they wo n't delete it.     I called Equifax and they said first tell  XXXX   XXXX   XXXX  to send us electronically a note to delete the inquiry. I called more than  XXXX  different people in  XXXX  different departments at  XXXX   XXXX   XXXX  and no one said they were aware or know how to send such electronic note of deletion to Equifax, then I got an account  specialist  from  XXXX   XXXX   XXXX  on the line and we called Equifax to understand how to do it, but unfortunately, we found that even the outsourced call center reps in  XXXX  do n't know how to do it either! and they were unable to help or guide us to what to do next, and at the end, they said  ( Equifax ) h as no way to delete inquiries from credit reports!!     This is completely unacceptable, Equifax has no process in place for disputing or correcting such wrong info which impacting me personally. Equifax did not investigate anything, they did n't contact  XXXX   XXXX   XXXX  or me, they did nothing and wait about 30 days  (  as required by law ) and came back to me with a reply that this is true inquiry!     Equifax has a useless outsourced customer care call center overseas who has full access to our confidential info but no authority or knowledge to resolve any issue! they simply read from a paper of what they says.     I really urge or US consumer protection authorities and CFPB to take action and protect us from such companies as Equifax who are busy in selling our confidential and financial info to who pays more with out any fear or responsibility or our business losing, suffering or time wasting.     Today I filled another waste of time dispute with Equifax and spoke with them and they still repeating the same cassette, the  new Dispute  confirmation no.  XXXX .     Please help. and advise of how to convert this issue to a law sue?     Best regards,  XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: The XXXX address is 18 yrs old. My address of record for the last 18 yrs is XXXX XXXX XXXX XXXX ny XXXX. Also my employer is The XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX ny XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (MD).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Last year, I was informed that I attempted to apply for an Amazon credit card, which is totally false. While I do have an Amazon online account, I have never applied or attempted to apply for a credit card either directly or indirectly with Amazon. All of my Amazon purchases are routinely paid using my debit cards, which is why I suspect my identify was used fraudulently to apply for a credit card with Chase Bank USA. I learned of the attempt and subsequently decline of the application after I received a letter of explanation from credit bureaus. I have since disputed this inaccurate information with the credit bureaus, but was denied relief.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/17/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: There are XXXX inquiries on my credit report from XXXX that shows opened. They have been taking care of as of 2011 and need to be shown closed Thank you, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/24/2016 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Trying to remove hard inquires from my credit report with Experian as i do not have any obligation or any line of credit or services from some of the inquires on my report. Have contacted all three credit bureaus about these hard inquires on my report and they wo n't budge or remove any of them. i just want to remove the inquires that i have no financial obligations to. Also they have a public record on my report which i have found out that the court does not share this information with the credit bureaus and should not be a part of my credit report either have try calling to have removed and told they can not be removed which i found out to be not the truth. also they have a XXXX listed on my report that should also be removed have n't had a XXXX in over 14 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 non-monetary relief