milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/13/2016 about Student loan (Federal student loan servicing) with Manhattan Beach Venture, LLC (IL).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I received a text from a colleague at work from facebook link about student loan forgiveness. I told her that it is a hoax. She stated it is legitimate. It says that Obama to forgive {$7.00} XXXX dollars of Student Loan debt. The number is XXXX. I called it the first time and a voice message said to call back, lines were busy. I called back and spoke with a XXXX XXXX at the Student Loan Relief Dept. Her number is XXXX. I gave her my personal information, address, phone number, ss #. XXXX stated that if I qualify my federal loans could be reduced. She asked where I worked, my income. She also asked if I had any children. I told her that I did not. She also asked if I help any of my family members. I said yes, when I have money. I will try and help out. I still told her that this sounds too good to be true. This is not legitimate. She said that they work with the Department of Education. I said how is that possible. This is not accurate. She proceeded to inform me that I qualify for the forgiveness loan and that my monthly payment would reduce to {$20.00} per month for 20 years and the balance would be forgiven. She also proceeded to say that there is a fee to be paid of {$1300.00} and in some cases the fee is {$1900.00}. XXXX had put me on hold for several minutes. I had a bad feeling. She returned stating that she need to get some water. I listened. Then she asked me that I would have to pay the fees. I continued on and he requested my bank card. I provided her the number and something felt not right. I searched this third party company. It is Manhattan Beach Venture , LLC in XXXX, California. There were horrible reviews about what they really do. They take advantage of people. I opened my account to see a {$.00} withdrawal from my bank account after she said that my first payment will start at the end of XXXX, 2016. I called my bank from my home phone while she was on my cell phone. I told the representative what was going on, I immediately asked her to cancel my bank card. She did and noted my account. I have a new card now. But XXXX still has my information. I also called the FBI and reported it. They took my information and provided me with the FTC 's number. That is why I want this to be investigated. I told XXXX that my social security number has been exposed after I signed these documents. Her reply states that it is only exposed on my document which did not make sense because she already had my social security number. She continued to say that she has helped alot of students with huge loans. She stated that if I did not believe her that I can contact her boss. His name is XXXX. His number is XXXX. I did not call the number.

Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2017 about Debt collection (Other debt) with GLENN ASSOCIATES MID-ATLANTIC, INC (DC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: In 2015, I noticed a collection on my credit report from Glenn Associates Mid Atlantic for XXXX XXXX. I, immediately contact Glenn Associates via email regarding the debt, whereby it does n't belong to me. 

During, this time, I asked Glenn Assoc. to contact the CRA 's and inform them that the debt is disputed, and ask them to delete it from my credit report, but fail to do so. 

It has been two years and counting since my initial communication with Glenn Associates, and they have fail to comply.

Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Transunion is illegally reporting XXXX ( Deposit Related Accounts ). XXXX Credit card illegally on my credit report. I have disputed all XXXX items with Transunion and they came back verified. I contacted both companies and XXXX refuses to talk to me. I wrote them a letter demanding them to send me any information on this debt they did n't respond. So I called them and they refused to talk to me and stated the only way I can talk to them is through the credit bureaus. XXXX I contacted Transunion and it came back verified. I wrote to XXXX asking for more info on this account and received a debt settlement letter. I contacted Transunion back to ask what method of validation was used and did n't receive a response. This is very illegal and goes against all of the federal laws.

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 01-09-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with Synovus Bank (MD).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I have a XXXX XXXX credit card that I very rarely ever use. Back in XXXX I realized it was missing, so I called to have it cancelled. When I called, I was told that there was a balance on the card, so I told them I wanted to report it stolen and asked if they could tell me were it had been used. They proceeded to tell me, that the balance was due to late fees as the annual fee had never been paid. I explained to them that I had never received any bills in the mail, and asked if there was anything they could do to help me resolve this. I was told that my only option was to send them a letter in writing to request a waiver. I wrote to them explaining the situation, and my concerns with this reflecting negatively on my credit file, and made the initial payment of the {$39.00} annual fee in the hopes that the late payments would be waived. I got a response from them denying my request, so I paid off the final balance of the acquired fees. I now have not just one, but two late payments reflecting on my credit report, and was denied a home loan due to this. I would also like to know why the charges varied? 

Also, as I mentioned above, I paid these fees off, and it is still reflecting a balance of {$60.00} on my credit report.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07/20/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I uncovered a BUG ( software error ) in the way Equifax reports the results of a credit inquiry. In my case it was credit inquiry by the XXXX for a student loan. 
The BUG resulted in reporting WRONG information and as a result, my loan request was declined. 
The facts of the matter in this complaint were verified by conversations with both sides ( Equifax and the XXXX ). 
Details : When an account is overdue, credit report states it in terms of days ( XXXX, XXXX, etc ). this is in their systems and in the consumer report. 
HOWEVER, they automated system sends a summary in a DIFFERENT FORMAT, which is " no more than X months overdue ''. 
In my case, my credit report says XXXX90 days late ( this is correct ), but the XXXX gets " No more than 3 months overdue ''. 
that leaves the possibility that the account is 3 months overdue, so the XXXX system raises a " 90 day delinquency '' flag and the loan is declined on this grounds and generate a decline letter saying " specific reason ( s ) is ( are ) : Presently XXXX or more days delinquent ''. 

Please see attached the decline letter from DoE. I provided my Equifax case # above. 

While Equifax manager by the name of XXXX understood the issue and agreed to send a clarification mail to XXXX with my credit report, he says his system does n't allow him to contract the requester XXXX electronically, only by XXXX mail and this could take up to 30 days ( of course to provide the wrong information it took equifax less then XXXX minute, which was the time it took to XXXX to decline my loan ). 

I contacted the CFPB because this is a systemic issue and I 'm sure many other consumers fell for the same bug Thx for

Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2017 about Debt collection (Auto debt) with Global Lending Services LLC (SC).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Auto was repossessed and sold.Although it was sold, we did not obtain any actual bill of the sale. According to a letter sent, it was sold for way less than it was worth. Also, we were letter told that the company whom we purchased the vehicle from, closed do to illegal dealings.I think it 's unfair to owe such a high balance, when we did n't get a actual bill of sale. The vehicle was almost paid off. I think it would be only fair that this negative impact, be deleted from both me and my wife credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: TO WHOM IT MAY CONCERN, I XXXX XXXX WAS A VICTIM OF IDENTITY THEFT MY HOME WAS XXXX IN 2015, ALL MY PERSONAL INFORMATION WAS STOLEN AND BECAUSE OF THAT SEVERAL ACCOUNTS WAS OPENED AND A BANKRUPTCY WAS FILED IN MY NAME AND SOCIAL SECURITY NUMBER WITHOUT MY KNOWLEDGE OR PERMISSION. IM FILLING THIS FTC REPORT TO HAVE ALL ITEMS DELETED OFF OF MY CREDIT REPORT THIS IS HINDERING ME FROM MOVING FORWARD WITH LIFE AFTER BEING A VICTIM OF ROBBERY, AND IDENTITY THEFT.

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 02-07-2017 about Payday loan () with Curo Inc. (CA).
Issue: Can't contact lender

Complaint: Cash Plus XXXX XXXX XXXX XXXX XXXX, CA. I received a loan In XXXX XXXX in which I was not able to pay back due to financial difficulties. Once the check returned I received non stop calls/ emails and phone calls to my job. I did ask them to please stop calling due to my financial status. My references continued to get detailed calls from them as well as my work place. on XXXX/XXXX/XXXX I received calls from XXXX giving me a case number and asking if I had an attorney available and that I had 48 hours to pay or get sued. He also called my work place and references saying I was a person of interest and they needed to describe me and give them any information they had on me. When I spoke to XXXX again he stated that i wrote " worthless check '' and there was nothing I can do to stop him from continuing this lawsuit. I asked him to no longer contact me or my work number since I can get fired and right after he hung up on me he called my references again and went into more detail about how he is going to sue me withing 48 hours. 
I then again called XXXX at XXXX XXXX XXXX XXXX and asked for a corporate number and he stated he was corporate, When I asked for the number to the XXXX and he hung up the call. I am unable to reason with this person and no one else can help me.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with monetary relief
Consumer complaint received 01/13/2017 about Mortgage (Other mortgage) with SELECT PORTFOLIO SERVICING, INC. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: The Post Office returned my mortgage payment with a certified letter, stating on the envelope returned to sender, no mail receptacle, unable to forward. I called Select Portfolio Servicing, as soon as I received the returned certified letter, but the office was closed. I waited until Monday, next business day ( XX/XX/2017 ), and I made the payment by phone. I 'm checking today XX/XX/2017, and the payment had not been submitted to the bank. As far as I 'm concerned they are trying to defraud me. I 'm never late with the payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AMERICAN EXPRESS COMPANY (FL).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint: On XXXX/XXXX/XXXX, payment was received by XXXX XXXX XXXX in the amount of {$69.00}. Of which {$34.00} was disbursed to XXXX XXXX same day. 

Also, AMERICAN Express had just received its disbursal for {$250.00} on XXXX/XXXX/XXXX, which is around the usual date for that payment. But fours days later, on XXXX/XXXX/XXXX there was a new civil action by American Express on my credit alert for the Last {$34.00} owed to them. On XXXX/XXXX/XXXX I made my final payment ever to XXXX XXXX Counseling which they disbursed to American Express on the same day. However I received XXXX more credit alerts. Another XXXX XXXX by American Express on XXXX/XXXX/XXXX and a charge off account notice on XXXX/XXXX/XXXX by American Express. These are all showing as derogatory remarks on my credit report and I would like them deleted please. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Making/receiving payments, sending money

Complaint: I am filing this on behalf of my mother, who is incapable of using the computer. My mother is the victim of identity theft. My mother has been sick and hospitalized over the past year and had been cared for by an aide with whom she became " close '' with. She trusted the aide implicitly and gave her full access to her apartment. My mother is frail, has much trouble in XXXX, and is XXXX. Besides her physical problems she has been hospitalized several times when her XXXX XXXX spiked due to anxiety It was a shock when my mother was informed by the Bank of America in XXXX, 2015 that her account was overdrawn and there was a list of suspicious checks that did not seem to be hers. When I came down to help, I identified even more checks that were appeared to be forged. All of these checks were made out to the aide 's name or to " Cash ''. 
While I had numerous conversations with bank employees and filed reports of these checks since XXXX, the bottom line is that the bank denied our claim. Their explanation was " timeliness and same wrong doer ''. According to the bank, the claim had to be first made within 60 days of the first suspicious check, which was in XXXX, 2015, as that would have prevented any of the other forged checks to follow. 
The problem for us is that my mother had no reason to suspect foul play and had not looked at her statements. She was in a vulnerable state and just worried about her health, so she was not focused on her bank statements. She was trusting that everything in the part of her life was fine. No one in the family suspected the aide and this was a shock to all of us. This is not uncommon for victims of exploitation, and it is why we depend on banking institutions to compare signatures.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2016 about Credit reporting () with EQUIFAX, INC. (MI).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I ANTICIPATED THIS RESULT FROM EQUIFAX AND I 'VE BEEN THERE BEFORE WITH THEM BECAUSE THEY DO N'T SEEM TO THINK THEY HAVE TO ABIDE BY THE LAW TO ISSUE MY OR MY WIFE 'S REPORTS. I HAVE TO GO THROUGH THIS PROCEDURE EVERY TIME I ORDER OUR FREE REPORTS FROM EQUIFAX. I SUPPOSE XXXX AND EXPERIAN WILL DO THE SAME AFTER EQUIFAX CONTINUES TO GET AWAY WITH THIS VIOLATION, HOWEVER, I HAVE NO ISSUES WITH THEM AT THIS TIME.

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX foreclosed on our house XXXX XXXX. First delinquency was XXXX XXXX. It 's been almost eight years since then. All three credit reporting agencies refuses to delete the item from our credit report despite many many disputes over the years. Most recently Equifax reports that the date of " last activity '' is correct even though we repeatedly requested they investigate the date of first delinquency. They also suddenly repotted that " adverse accounts paid in full will automatically be deleted seven years from the date of last activity. '' However the account was foreclosed not paid in full and has never been reported as paid in full until now. XXXX is unreachable. It bankrupted in XXXX and the phone number Equifax gives us does not provide any way to access anyone. We can not buy a new house until this foreclosure is delete and we have already waited over 7.5 years. I have attached the documents we have sent many times to the credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 11/13/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (OR).
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint: In XX/XX/XXXX I opened checking account XXXX XXXX XXXX to receive the promised {$300.00} reward in offer code XXXX. Automatic deposits of my Social Security checks took place until XX/XX/XXXX. A letter dated XX/XX/XXXX, " We deposited an incentive reward of {$300.00} to your account ending in XXXX on XX/XX/XXXX. '' The deposit of only {$210.00} was made on XX/XX/XXXX. A minimum settlement would be a deposit of {$84.00} without any late or other fees for a zero balance after XX/XX/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 12-09-2015 about Credit card () with BARCLAYS BANK DELAWARE (TX).
Issue: Rewards

Complaint: Barclay Card close my credit card account without telling me why. I 've not been delinquent on any payment, nor have I missed one. They kept my hard earned rewards - about XXXX worth - without giving me even a simple explanation. I did n't do them wrong but they sure did me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 12/22/2017 about Payday loan, title loan, or personal loan (Payday loan) with BANK OF THE WEST (CO).
Issue: Loan payment wasn't credited to your account

Complaint: This is a follow up complaibt. If ypu log me out again you eill have to deal with ic3.gov I just spent XXXX 20 minutes typing it. Short version Bank of the West 2nd company XXXX XXXX XXXX XXXX XXXX and XXXX and XXXX XXXX in all XXXX branches XXXX XXXX and XXXX. XXXX XXXX at XXXX or email XXXX all the texts emails I have. This is all connected per your inadequate response for more info it 's all XXXX connected. The loan to loan to company to bank to XXXX XXXX XXXX XXXX XXXX to my account rllihitimizing my XXXX XXXX loan do your homework or i will report you to FIX you have all the names previous complai t number XXXX now its for Bank of the West and XXXX XXXX XXXX XXXX and Florida law enforcement and XXXX and XXXX XXXX people trust accounts that were used to burry off of stolen money. If my loan is no good per XXXX XXXX XXXX then all of those bodies will have to be exumed

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 06-09-2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Navient continues to not credit to my account the full amount that I send them every month. It is sometimes a few dollars off and sometimes a few hundred dollars off. I feel that this is either harassment or incompetence or downright sneaky fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2015 about Credit reporting () with Fidelity National Information Services, Inc. (FNIS) (NJ).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: On XXXX/XXXX/2015 I responded via fax and through XXXX XXXX to Chex Systems regarding additional information that they needed to me to support my claim of clearing address 's that does not have any associations with me. On that day I sent a notarize personal statement about the address that did n't belong to me and I also sent them a Police Report as they have requested for me to do. I have attached a copy of the XXXX XXXX delivery confirmation, police report and notarized statement. With reading their rebuttal to me now stating the police report that I have sent them does not specify dates or date range to remove the information. And now I need to get an additional police report that specifies in further detail about ID Fraud. I will do so. But, I did send a notarized statement to you on XXXX/XXXX/15 and I had attached it to the cfpb dispute # XXXX, and I also sent the original to you via XXXX XXXX which you received on XXXX/XXXX/15, and I also faxed all the statements to you on XXXX/XXXX/15 as well. Also, on the police report it did state the XXXX banks XXXX Bank and XXXX Bank but you only mentioned that you deleted XXXX. Your consumer report dated XXXX/XXXX/15 is attached as proof. Now XXXX XXXX XXXX XXXX XXXX, CA XXXX is my parents address. My parent has owned that property for more than XXXX years. I stayed there up until I was XXXX years old. I do n't know what more to say regarding that but I have n't lived there since that time. Please divulge the name of the Bank and or credit union that has reported my name using that address recently so that I can speak to them directly to clear that information out. As stated before I will get a detailed police report first thing in the morning and re-submit it to you so that all the other disputed items can be removed. 

Thank you Also please look at the notarized statement that I sent you via this portal, fedex and fax

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2015 about Credit card () with CITIBANK, N.A. (NY).
Issue: Billing disputes

Complaint: I received a letter in the mail from Macy 's stating that it 's attempt to email me my monthly statement was unsuccessful because the email was returned as " undeliverable. '' The email address that Macy 's listed in its letter is in fact my email address, and I have never had issues receiving emails before. The letter from Macy 's was sent to me after the due date of the bill. Macy 's made no attempt to contact me by phone or by mail prior to the due date to advise me that it was having issues emailing me my statement. In light of the fact that Macy 's notice to me was sent after the due date of the payment, combined with Macy 's failure to contact me prior to the date, makes it obvious that Macy 's is engaging in illegal behavior. While I have no way of knowing how many other people against whom Macy 's engaged in this scheme, I hope that the CFPB will receive other complaints and will respond with the appropriate measures that the CFPB has successfully used against other creditors who engage in similar deplorable behavior.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief