milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/20/2016 about Debt collection (Federal student loan) with Navient Solutions, LLC. (IL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: In XX/XX/2007 I was a XXXX and make my way into the world. I started looking for schools to continue my education and ensure a healthy and stable future. 

My search abrubtly ended when I was called by a recruiter from XXXX XXXX XXXX. She spoke with a manner that invited and ensured me of a successful future of my dreams. 

Needless to say I 'm sure she talked a lot of XXXX year old XXXX young men into committing to what has been the biggest mistake of my life. 

The admissions process alone was worse than buying a car with the amount of lectures and pushy tactics, not to mention the mountains of paperwork they pushed onto me. 

I lasted a year before the lack of education finally took hold. The instructors ( definitely not professors ), could hardly XXXX, much less teach XXXX XXXX XXXX. 

Upon the utter dissapointment of leaving without even a certificate of any sort, and ontop of the fact all of the credits earned were worthless to other accredited institutions, I had learned just how much a single year at XXXX cost .... over {$27000.00}. 

It is now almost a decade later and I owe a little over {$13000.00}. This means nothing to XXXX XXXX or whoever else has interst in these loans because they harass every hour they are allowed, every day they are allowed. They have no reasonable customer service and the negotiations I have attempted to make have been laughable at best on either side. 

I sincerely hope action is taken to prevent these types of institutions from preying on the youth of this country, by selling dreams they can not make and promises they can not keep. 

I also hope thay many learn from these types of experiences so that one day, if they are faced with a similar situation, they can identify it and save themselves from over a decades worth of headaches. 

Who would 've thought that pursuing the American Dream could turn out to be such a nightmare. 

Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX XXXX has put a XXXX XXXX XXXX on my credit report that is not mines, back in XX/XX/XXXX I had lost my social security card and identification card and a few other things out of my wallet, Well back in XX/XX/XXXXI found out that someone had put a car in my name, not only did they put a car in my name put got into an accident along the highway back in XX/XX/XXXX, I found out when I got arrested for driving while suspended, on my BMV it says i drove a car without insurance which is associated with the XXXX, I had reached out to XXXX XXXX several times, I have disputed the information, I have called and spoke to many representatives, the last rep she claimed to be a manager her name was XXXX, she told me she would look into it and keep in touch with me, I sent over all the proper documentation she asked for, I explained to her the situation, meanwhile their doing this investigation I am being punished by the Indiana Department of Transportation, in the amount of XXXX ( starting off ) current balance XXXX , I dont know what else to do at this point. Its gotten my license suspended so i cant even get MY drivers license, then they want a police report, but i was not at the scene nor did i know until almost 2 years later so there was no police report filed just security freezes on all 3rd party consumers and credit bureaus. I want to get this resolved immediately, I truly do not want to file bankruptcy, I want them to remove this from my credit report because it is not mines and it is causing me nothing but XXXX.The car was fraudently opened, I have even contacted the dealership and they all redirect me to 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 explanation
Consumer complaint received 09-09-2016 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (IL).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: on XX/XX/XXXX I received pre-stamped court summons from XXXX XXXX XXXX XXXX, court documents signed with a stamp dated XX/XX/XXXX while I was at work. My boyfriend 's son received the unsealed document, exposing the nature of the debt as well as the amount outstanding. I 'm being summoned to appear in court on XX/XX/XXXX and pay the balance in full as well as court costs. 

I have made attempts to settle the balance with the creditor in the past however they have refused my payments. I 'm concerned that my personal information has been exposed.

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 11-12-2016 about Credit card () with JPMORGAN CHASE & CO. (TX).
Issue: Closing/Cancelling account

Complaint: On or about XX/XX/XXXX, I had my Chase Credit cards canceled without warning or notification. Upon calling to determine the reason I was told a letter would be sent explaining why and that no one would be able to inform me over the phone why my cards were closed. When I received said letter, it only informed me that my money market, savings, business account, and credit cards would be cancelled. No explanation given whatsoever, I have attempted to request at a local branch, but again no information is given. I am confused as I have all my accounts in good standing, do not engage in illegal activity, my payments are made on time and my credit score ( is/was ) above XXXX. I am more upset that despite my good standing a card can be cancelled without warning, this would have been extremely dangerous were I traveling abroad or in some medical emergency.

Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2015 about Credit card () with WELLS FARGO & COMPANY (NJ).
Issue: Other fee

Complaint: i do not have time to even do thi.si was assessed interest by wells fargo where i have many accounts. 
i am writing this so something other than the system will help me. between medical bills, moving and my customership which is excellent i should not have to beg for XXXX dollar. i know it was refunded I also know if someone took the time they would see how i pay and keep my account. 
i do not expect to be put thru this. i want my XXXX back of interest., i will never sign a cc agreement with minumum interest charge again. I did not pay maybe XXXX doillas and now this. i do not have time or XXXX intactedness to spend time on this. i am tired of scripts. i will not use my card til this is addressed. scripts are great but getting to know customers is even better esp a good XXXX like me

Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2016 about Credit reporting () with Experian Information Solutions Inc. (MD).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: There are tax liens showing that were not suppose to be filed and have been advised by IRS and state that the liens had been removed.

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 12/23/2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I submitted a complaint over a month ago. That complaint is XXXX. 
I have still not received a copy of the investigation and full copy of my credit report. I was recently denied credit due to inaccurate Equifax information, but I do not a full copy of the report so I can not dispute the specifics. I am attaching the credit denial letter.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: My personally identifying information was compromised in the Equifax hack. I have already set a 90 day fraud alert.

Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2016 about Student loan (Non-federal student loan) with AES/PHEAA (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: Without my consent, my student loan servicer ( AES ) has added in federal loans to this balance, driving up interest capitalization. These federal loans should have been consolidated with my other federal loans but now these are not eligible. I gave no consent to add these loans in with my private loans.

Company response to consumer: Closed with explanation
Consumer complaint received 09-06-2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: The following credit inquiries appeared on my Equifax credit report that are the result of fraud/identity theft. I 'm seeking assistance in the immediate removal of these inquiries from my Equifax credit report : XXXX XXXX XXXX made on XXXX/XXXX/16 ; XXXX XXXX made on XXXX/XXXX/16 ; XXXX XXXX made on XXXX/XXXX/16. In addition, I have a fraud alert filed on XXXX/XXXX/16 with Equifax alone with a policy report completed on XXXX/XXXX/16. I 've even completed a formal investigation request with the FTC as my identity has been stolen and my personal information has been sold to potentially multiple people. Your assistance in getting these inquiries removed from my Equifax Credit Report is appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-07-2017 about Debt collection (Credit card) with Glasser and Glasser, PLC (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have disputed this account with the agency. They keep sending me collection accounts, I requested proof I signed this they only sent me statements,. I requested more and more information but seem like they do n't care only to collect. I request for them remove this off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2017 about Credit card () with U.S. BANCORP (IL).
Issue: Customer service / Customer relations

Complaint: I have been using  a Fidelity credit  card since  XXXX  and make on time payments every month. In  XXXX   XXXX ,  Fidelity c hanged the credit card servicing company to ELAN FINANCIAL SERVICES. Due to such transition, my existing auto-pay setup no long works. However, I did not receive any notification for the transition and was not aware of my auto-pay expired until I got a collection call on  XXXX   XXXX  saying that I have a past due amounts which I did not pay. I paid down the past due balance right way and kept paying on time since then. However, ELAN FINANCIAL SERVICES reports a 30 days delinquency to all credit bureaus on my records. As a result, my FICO score reduced from  XXXX  to  XXXX . I felt that I was not fairly treated because my credit history was heavily damaged due to a fact that is not result of my fault. As a result of such negative impact, I did not receive the best rate I can get when I re-finance my mortgage recently. I d emand Fidelity Credit  Card and ELAN FINANCIAL SERVICES to correct my credit report by removing the delinquency records and compensate me on the incremental interest payment I have to make on the mortgage.

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 02/25/2016 about Credit reporting () with Experian Information Solutions Inc. (VA).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: XXXX XXXX XXXX XXXX XXXX # XXXX XXXX VA XXXX DOB XXXX/XXXX/XXXX Please be advised that this is my SEVENTH WRITTEN REQUEST I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. 
Name of Account : Account Number : Provide Physical Proof of Verification!!!!!!!!!! 
The following unauthorized inquires are to be removed from my credit profile XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX My ID via drivers license is attached

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 07-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ID Analytics, Inc. (IA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: Sagestream LLC, who is this and why do they rate my credit score so low? First I have never heard of them and honestly I think they should have to be at least close to the other agencies scores to even be considered to be a accurate credit reporting agency.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NV).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: XXXX/XXXX/XXXX three direct deposits were made to my checking account. Once made my available valance was shown as {$390.00}. 

At which time I withdrew {$200.00} from my account via the bank atm. 

After the withdraw my account balance showed XXXX XXXX.Which should have been accurate. However the next day I noticed a {$35.00} charge on my account for unavailable funds. 

The banking representative said while it may have shown I had the available balance, and by the way such deposits via direct deposit have always been available immediately in the past, I was told that the bank would not return the fee since while the account showed an available balance it was n't really available and was being processed on 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 monetary relief
Consumer complaint received 07/13/2016 about Debt collection (Mortgage) with UNITED SERVICES AUTOMOBILE ASSOCIATION (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I obtained a Line of Credit second mortgage loan from USAA Federal Savings Bank which was SECURED by a lien they filed with the Clerk of the Court on my residence in XXXX. This residence was sold at auction by the Clerk of the Court of XXXX XXXX, Florida as a result of an illegal foreclosure suit filed by XXXX XXXX, principal of XXXX XXXX XXXX XXXX, a Florida corporation. This was a home that I owned outright, having paid cash in the amount of {$100000.00} in XXXX XXXX. XXXX XXXX, using a straw buyer corporation that he set up to conceal that he was the buyer, purchased the home at auction for {$30000.00}, after having agreed in writing with the Clerk of the Court that he was liable for all lien debt attached to the deed of said home, and for its repayment. Instead of collecting satisfaction of this lien from XXXX XXXX via his straw buyer, USAA Federal Savings Bank instead illegally reported this lien debt as being a consumer loan which I had defaulted on, which was patently untrue. The {$17000.00} ( approx. ) lien loan transferred to XXXX XXXX when the deed was transferred to his name, automatically, in accordance with Florida law and Federal law. I will gather all documents proving this and forward to CFPB. I request that your agency resolve this incorrect and very adverse information that USAA Federal Savings Bank reported to the credit reporting agencies, and that you sanction and fine them for this very, very harmful act!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2015 about Mortgage (Conventional fixed mortgage) with RoundPoint Mortgage Servicing Corporation (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: Roundpoint Mortgage Servicing Company says I owe them {$3700.00} which represents an escrow shortage. They assumed my mortagage in XX/XX/XXXX from XXXX XXXX XXXX XXXX. I have received XXXX prior Annual Escrow Account Disclosure Statements from Roundpoint ( XX/XX/XXXX and XX/XX/XXXX ) indicating I had a surplus. This is Roundpoints accounting and due diligence errors and I should not have to suffer financially because of it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2017 about Mortgage (Conventional home mortgage) with BAYVIEW LOAN SERVICING, LLC (CA).
Issue: Trouble during payment process

Complaint: I have a mortgage that is being serviced by Bayview loan servicing. I am not late, or behind on payments, but every month they start calling about the payment. Today is X/X/2017. The payment is not considered late until after XX/XX/XXXX, and I mailed them a check last week, so it will get there way before XX/XX/XXXX. So far today they have called me 7 times from 3 different phone numbers, and it is only XXXX XXXX. They are harassing me, and I am sick of it. The calls start early in the morning, and continue throughout the day. They are acting like I am in default, and I am not. My payment has been made every month, but they do this to me every month, and I have been paying on this loan for over ten years. They really know how to XXXX XXXX a good customer. I would refinance, but the loan has very good terms. ( They did not originate it. They took it over from XXXX ) I want them to stop calling me like this, and I told them so. The calls only increased after that. These calls are causing me stress, and anger. I do n't think they should be able to call and harass me like this when I am not late on my payments to them.

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2016 about Credit card () with AMERICAN EXPRESS COMPANY (MI).
Issue: Advertising and marketing

Complaint: My name is XXXX XXXX. I have been a loyal customer of American Express from a long time. Recently I came across with an incident. I tried hard but nobody in the organization would listen or reply in writing. 
I got a refereed E-Mail ( American Express ) to apply for a XXXX XXXX Credit Card.I have pasted the referral process and the bonus as outlined in the next paragraph. 

As a reminder, here is how the referral process works : Each friend will receive an email, with a special offer for the Card you referred. Your friend may not receive this email if they have previously " opted out '' of receiving email marketing communication from American Express. 




Your friend must apply for the Card through the link in the email and be approved in order for you to earn your Referral Bonus. 




Please allow XXXX8 weeks for your Referral Bonus to post to your account after each referred friend is approved for the Card. 




Due to the confidential nature of the credit approval process, you will not be notified whether we approve or decline any application ( s ) from individual ( s ) you refer. 




The Card you refer must be active in order for you to receive your Referral Bonus. 




If your friend is not approved for or already has the Card you referred, no bonus will be awarded. 

Welcome bonus Earn 60,000 Bonus Miles with the XXXX Credit Card and XXXX Qualification Miles XXXX after spending {$2000.00} in purchases on your new Card in your first 3 months, and a {$100.00} Statement Credit after you make a XXXX purchase on your new Card within your first 3 months. 
Special Offer Expires on XXXX I applied for the Card and got the Card. I also met all the requirements. Now American Express refused to honour their part and did not give the required bonus. I had another American Express. In the E-Mail I DID NOT FIND ANYWHERE IT SAYS THAT I CAN NOT HAVE ANOTHER AMERICAN EXPRESS CARD OR I AM NOT ELIGIBLE FOR BONUS IF I HAVE AN AMERICAN EXPRESS CARD.IF IT IS HIDDEN SOMEWHERE THAN AMERICAN EXPRESS IN NOT TRANSPARENT. 
Also the employees at the customer service are rude and unprofessional They will not investigate the issue and reply. They just say it is a XXXX issue.If it is a XXXX issue than it is clear.I hope your fine organization will investigate and implement changes if required. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2015 about Student loan (Non-federal student loan) with CITIBANK, N.A. (NM).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: I have a private XXXX loan through Citibank. They are threatening to send my account to a collections agency, even though I am enrolled in school.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/25/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with WELLS FARGO & COMPANY (NC).
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint: Had a {$2500.00} credit limit and over night with no ch ange in credit score or missing payment or even a late payment ever, I had {$800.00} balance and they changed limit over night, and I have set it up to auto pay my bills. By doing this they have affected my credit score negatively in the most important way because it changes account balance/ to credit limit ratio. This is not fair and it happens all the time with banks of all kinds. They offer you credit and when you use it they lower credit limit to cause credit report to go down and then they can charge a higher rate of interest?

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 08-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I was in the process of trying to buy a house and I got on XXXX XXXX and saw that my credit score was below XXXX and I clicked on there to see why and I had 24 late payments from XXXX XXXX XXXX XXXX and I ca n't understand why when I was in forbearance.

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