milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-01-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: ( Account numbers enclosed as all accounts have been closed for several years ) My XXXX/XXXX/XXXX bankruptcy discharge included two separate XXXX mortgages/equity loans. One loan, Acct XXXX for a dwelling on XXXX in XXXX, AZ, was discharged by this bankruptcy. The other loan, Acct XXXX ( possible full acct # XXXX ) ( loan application # XXXX ) was reaffirmed by me and not discharged in the bankruptcy. Payments for this loan were all made in a timely manner until the home was sold on XXXX XXXX, XXXX. At that time the remaining balance was paid in full. 
I made numerous complaints to XXXX and was always told they would research the matter and report back to me. I never heard anything from XXXX. 

I made several disputes to the credit bureaus who always reported back that they had contacted XXXX who erroneously reaffirmed the loan had been discharged by bankruptcy. The latest dispute and reaffirmation was by/through Trans Union on XXXX XXXX, XXXX. 

I would greatly appreciate this issue being resolved. 
Thank you

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 08/15/2015 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint: My credit is frozen due to past experiences with fraudulent charges and it has taken several painful years to rebuild my credit. During those challenging years the credit bureaus were no help at all. Therefore, it is so important to me to protect the credit that I worked so hard to gain back. Recently, I had an emergency situation and needed to unfreeze my credit. Equifax made it impossible. It was obvious that they would help me only if I had a product with them, but the office to unfreeze my credit was closed. I tried to do it online and received a message that further information was needed despite having my pin. Why are they so willing to place negative information on your credit file and yet so unwilling to help me when I want to protect it.

Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: I was in college from XX/XX/XXXX until XX/XX/XXXX and during that time XXXX XXXX was charging me interest while I was currently in school. I sent transcripts on many different occasions yet my loan was still increasing. I began to pay on it until I realized that I should have to if I 'm actively in school. I asked for deferment while i was unemployed they agreed but turns out thet werent putting it on my account so my amount continued to increase. I then got re enrolled in school and have been in since XX/XX/XXXX and I get calls almost everyday about my loan and the amount goes up every month again while I am still actively in school. Have sent multiple transcripts to many emails and nothing is stopping the harrowing calls and emails.

Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2016 about Credit card () with AMERICAN EXPRESS COMPANY (IL).
Issue: Rewards

Complaint: Am Ex Account ending in XXXX Membership Rewards Number- XXXX On XXXX XXXX, 2016, I applied for and was approved for the American Express Platinum card. This card required spending {$3000.00} within three months and receiving XXXX points in return ( XXXX ). 

Am Ex is now refusing to honor this agreement ( as well as XXXX other people who are in this same situation ). All of my expenditures were legitimate and I reached the spending required on XXXX XXXX, 2016. 

Put simply, Am Ex accidentally made public a private offer, I was approved and they are now seeking to punish those who appropriately applied and were approved. 

Additionally, Am Ex has frozen my ENTIRE rewards account, preventing me from not only using the XXXX points for the Platinum card, but an additional XXXX points which are in the account and have nothing to do with this promotion. 

I am simply asking that Am Ex honors its agreements and stop punishing their customers. I have been an Am Ex member for almost 20 years, they have made thousands of dollars in profit from me, I have never made a late payment and there is no basis for the denial of the benefit Am Ex agreed to. 

Please contact me if any questions and thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2017 about Debt collection (Credit card debt) with Weltman, Weinberg & Reis Co., L.P.A. (PA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint: XXXX   XXXX   alleges that I owe them {$1200.00}, after becoming unemployed and divorced after leaving an abusive relationship, notified them under the FDCPA that they were to cease contact with me until I became employed again. They proceeded to continue calling me at unreasonable times, and even called my sister and discussed my debt with her. They agreed to stop calling me eventually, and then my ex-landlord notified me that I had been subpoenaed, and when I called   XXXX   they told me that they could no longer speak with me about the case and referred me to their attorney. They insist they 've contracted my case out, but I think that 's just a loophole to getting out of saying that they sold my debt. Weltman-Weinberg & Reis made first contact with me via law suit, in a different county than I reside, and are suing me for {$1200.00}, but insisted on a phone call & emailed documents that my balance was over {$1500.00}, but they 'd settle for {$1000.00}. The last two statements I have from  XXXX  has a balance of {$860.00}, as does my record from my   XXXX   credit report. I also have a receipt from a cashier 's check my mother paid to   XXXX   a month before the final statement/credit report, and I believe the outstanding balance is reflected by   XXXX   XXXX   's incompetence to secure my account payment and interest on that balance that should have been paid.   XXXX   nor Weltman Weinberg & Reis can provide me personally with statements regarding when these balances occurred, and my experience with these organizations sounds eerily similar to two recent federal law suits brought upon this debt collection agency. Please somebody help me.

Company response to consumer: Closed with explanation
Consumer complaint received 07-01-2016 about Credit reporting () with Experian Information Solutions Inc. (VA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: Developers of credit scoring models review a set of consumers. The historical credit profiles of these consumers are examined to identify common variables. The developers then build statistical models by selecting the credit variables most predictive of future behavior and assigning appropriate weights to each variable. However Experian will once per month automatically update your Credit Score. Nevertheless since XXXX XXXX, 2016 was the most current update ; noticed that Experian more quickly reflects a decrease in credit score ; but display a longer delay if making an update if your credit improves. Their reporting pattern demonstrates a favor to report Negative information towards the consumers. Businesses pay that a Credit Reporting Agency reflect negative information to collect debt. Their Credit Score reporting patterns have the inferences of discriminatory practices towards who they consider " BAD '' or " POOR '' credit risk consumers.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-09-2016 about Student loan (Federal student loan servicing) with Immediate Credit Recovery (KY).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: This agency Immediate Credit Recovery is falsely reporting on my student loans and causing me to stay into default because they will not release the LVC and they are reporting that I am being garnished and I am unemployed with no income and trying to consolidate muy loans and they are denying that process to take place. Please recall my account from this agency as they are not properly servicing it.

Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (OH).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: XXXX XXXX AND EXPERIEN I DONT OWE THE DEBTS THAT IS ON THERE IS INACAURATE I DONT OWE CHILD SUPPORT THERE CLOSED ACCOUNTS I PAID OFF ON ALL THREE BUREAU PLUS I AM CLEAR OF XXXX XXXX AND ITS SOME FRAUD ITEMS ON MY CREDIT AS WELL SO THE INFORMATION THEY GOT IS ALL FALSE PLEASE REMOVE ALL THE NAGATIVE ITEMS OFF ALL THREE CREDIT REPORTSO I CAN BE FREE OF THESE FALSE DEBTS. THANK YOU!

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 07/28/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (OK).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: Sears Mastercard sent me an account statement indicating I owed {$33.00}. I owe Sears Mastercard nothing because a full refund was issued to me by Sears Mastercard for {$430.00} for the purchase of a dishwasher I bought at Sears. When I tried to dispute the debt with Sears Mastercard, XXXX ( ID No. XXXX ) told me I could not dispute the debt.

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 10/15/2015 about Student loan (Non-federal student loan) with ACS Education Services (IA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: On XXXX/XXXX/15 I paid ACS education services {$340.00} out of my checking account. Instead of taking out {$340.00} they took out {$680.00}. I have called them them twice to inquire about when my monies will be put back in my account and they state " 24-48 hours ''. I have yet to see the money in my account. I have other checks outstanding and if they do n't put the money back in my account, i will be penalized by my bank. What they did was theft plain and simple and they are dragging their feet to correct it. My account # is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 05/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AFNI INC. (MI).
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: XXXX  collections on my report are wrong and should never have been put on in the first place!  1  )  XXXX   XXXX  proof of state health insurance ( due to  XXXX  ) in  XXXX   XXXX  and explained that the original creditor failed to bill.  XXXX  refuses to verify this info with   XXXX   and   XXXX    ( I d o n't know about experian ) in which both companies refuse to remove without the verification . 2 )  wrongfully billed in  XXXX   XXXX  by  XXXX   XXXX   XXXX  when service was canceled and equipment was returned within the 30 day satisfaction guarantee and proof of  XXXX  installation date. Very few disputes are taken at a consumers word and companies like  XXXX   XXXX   XXXX  can state whatever they want with with no proof and whether wrong or right the companies verification is always gold. This is very unfair! I have been trying to get my credit scores up and it 's been a roller coaster with huge dipps in my score. Please Help!

Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2016 about Bank account or service (Savings account) with JPMORGAN CHASE & CO. (NY).
Issue: Using a debit or ATM card

Complaint: This is a second follow up to my original complaint. My original complain stated that ; On XXXX XXXX and XXXX, 2016 I became a victim of identity theft at the JP Morgan Chase bank, when approximately {$12000.00} was taken from my savings and checking accounts. 
To date the bank has reimbursement approximately {$9500.00}. 
The bank refuses to reimburse the balance of the money taken, which is {$2500.00}. 

My 1st follow up stated that on XXXX XXXX, 2016, the Chase Bank did credit my savings account with a total of {$1500.00}. There continues to be an outstanding balance of {$1000.00} owed to me. I have tried to call XXXX XXXX XXXX, Executive Office, Chase Bank at XXXX extension XXXX and he fails to call me back. I have no other resource that tho notify you in hope that you will once again interceded on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2017 about Mortgage (Conventional home mortgage) with BAYVIEW LOAN SERVICING, LLC (VA).
Issue: Closing on a mortgage

Complaint: Attempting to sell our house in a short sale with Bayview Loan Servicing. The process has been ongoing since XXXX XXXX. We finally got an approval to close on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX there was a minor change regarding funds to close. It was submitted back to Bayview. They had stated the investor had to review it and that a rush was put on it. On XXXX/XXXX/XXXX we have still not heard back. I attempted to call and was given a XXXX 's name to call on XXXX/XXXX/XXXX as they were going to reach out to the investor. It appears from my point of view that this company is attempting to delay this closing of the mortgage. The buyers are greatly affected by the lack of urgency or even timeframes that are never provided. This has been a horrible experience. The realtors, title company, and lawyer advised to file this complaint as they have never experienced a situation like this in the past.

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2016 about Student loan (Non-federal student loan) with SUNTRUST BANKS, INC. (MO).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: My loan started out with XXXX ( federal loan ) and it is now with SunTrust ( private ). I got the loan to attend XXXX XXXX XXXX XXXX XXXX XXXX to get a XXXX. I have never been able to secured a job through this XXXX and at the time ( unbeknownst to me ) the college was not accredited and should not have been distributing 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 01/21/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TN).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I have two student loans, one is with Dept. of Ed. and the other is serviced by NAVIANT. When I asked Naviant if I could consolidate my two loans I was given a run-around no one could understand. I gave up. I also do n't know if my payments are being credited in a timely manner, I would have no way of knowing.

Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2016 about Bank account or service (Checking account) with Patenaude & Felix APC (CA).
Issue: Deposits and withdrawals

Complaint: I have a levy that was charged agents me back in 2012. I am currently collecting XXXX and XXXX. My bank has taken the levy out on the child support both are direct deposit. They have said that the XXXX is the only money they can not withhold from the levy. I have done some research and it seems that they ca n't levy either. What can I do to get the money back that they have already levied and prevent this from continuing?

Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2017 about Consumer Loan (Vehicle lease) with DriveTime (NV).
Issue: Problems when you are unable to pay

Complaint: I purchased a car from DriveTime now XXXX in XX/XX/XXXX. The car history that was giving to me showed no history of the car being in any accidents prior to me leasing the car. In XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I lost my job and was searching for work. I stayed in contact with DriveTime of my situation and they helped me to get my payments deferred payments to the end of my loan. In XX/XX/XXXX and XX/XX/XXXX I fell on hard times as well and contacted DriveTime now XXXX of the situation I was having with making my car payments. They once again were able to get my payments deferred to the end of my loan. Stating that the late payments would n't show on my credit report. As of today I have on my credit report both from XX/XX/XXXX and XX/XX/XXXX showing on my credit report which dropped my score down majorly. Just recently my car broke down and I no idea on the reason why because my car was in job shape and taking car of very well. When the car was sent to a dealership to get checked out they pulled my car history and it showed XXXX accidents that were not on my original car history report. When I contacted XXXX of what happened I got the run around and they wanted me to send copies of my bills that were spent due the repair of my car. They told me there was nothing that could do to the time of me having the car. When I told them about the false car history report that was giving to me the did n't acknowledge my complaint. Also when asked about my credit report being affected from misleading or false information they told me again there was nothing that could to me and that they would not remove or do anything with both situations I have had with them.

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 09-12-2017 about Debt collection (Mortgage debt) with Financial Management Solutions (MD).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: I ORIGINAL APPLIED FOR THE APARTMENT ON XX/XX/XXXX.
I FILED FOR BANKRUPTCY ON XX/XX/XXXX WAS DISMISSED XX/XX/XXXX. IN XX/XX/XXXX I NOTICE THAT CREDITOR WAS STILL ON MY CREDIT REPORT, I DISPUTED WITH XXXX AND IT WAS REMOVED XX/XX/XXXX. THAN ON XX/XX/XXXX I  NOTICE CREDITOR WAS STILL ON MY CREDIT CONTACTED COMPANY AND THEY STATED THAT EVEN IF I FILED FOR BANKRUPTCY IM STILL RESPOSIBLE FOR THE DEBT AND IFWOULD NOT CLEAR OFF UNTIL DEBT WAS PAID IN FULL.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: I obtain a copy of my credit report and notice and noticed both credit reporting agencies are reporting wrong inquiries on my report. experian and XXXX have not cleared the inquiries or wrote me. To tell do the room.

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 09/17/2015 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (GA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I had XXXX ( XXXX ) Collections that were placed with XXXX XXXX XXXX and XXXX in XXXX. XXXX XXXX {$500.00} credit limit ( now show that I owe over {$1500.00} ). How can the payoff be more than the credit limit on the card when there was a {$300.00} credit balance left on the card. I called XXXX XXXX XXXX 's office to settle the acct. for the original credit card balance and was told by a XXXX XXXX representative that they would not except the payment2. XXXX Credit card {$1500.00} credit limit ( same thing happened as with the XXXX XXXX. There was an XXXX representative at XXXX XXXX XXXX that said they would not except the {$800.00} that I offered. After making several attempts to pay the collections I then pull my credit report to find that XXXX was sold to another collection agency named Portfolio Recovery and they are now and has been reporting me late every month since XXXX Who are these people and how is it that the account was sold while being handled by an attorney? 
This now appears XXXX on my credit report, which is affecting my overall score. 

I am really at a lose and do n't know what I should do from here.

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2017 about Credit card () with Alliance Data Card Services (PA).
Issue: Late fee

Complaint: COMENITY bank processes payments for XXXX. But they take so long to process payments that then they charge you with a late fee and interest.

Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (ID).
Issue: Trouble during payment process

Complaint: On XXXX2017 I contacted XXXX XXXX ; the new company name of Nationstar Mortgage. While Nationstar Mortgage, I accessed my online account and opted out of all marketing offers ( mail, email and calls ) from both Nationstar and their partners. They were very aggressive in their marketing efforts ( multiple calls requesting I return calls only to find out it was a sales call, priority deliveries of refinancing sales flyers which interrupted my work day at least weekly if not more often ), etc. 

The onslaught restarted when XXXX XXXX replaced Nationstar. I again accessed my account through XXXX XXXX to reset my communication preferences only to find they do not offer that via their website. So I called and requested the marketing from XXXX XXXX and their marketing partners cease. I received a confirmation of my cease and desist request in a letter dated XXXX from XXXX XXXX stating that I would now not receive ANY communications ( sales or account management ) from their company ( ie - account problem emails, escrow payments, etc ) as I do not agree to receive their sales communications. I really do n't feel that if I refuse their marketing, I am refused communication regarding my account ( except the monthly bill ) and that was not my original request -

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (VA).
Issue: Loan servicing, payments, escrow account

Complaint: We have made several attempts to refinance, We would like to refinance and remove balloon payment. We have received a modification only short term. Looking to remove balloon. We have made several attempts.

Company response to consumer: Closed with explanation