milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/19/2017 about Payday loan, title loan, or personal loan (Personal line of credit) with LENDING CLUB CORP (CO).
Issue: Problem when making payments

Complaint: I secured a line of credit with the lending club in the amount of {$11000.00} in XXXX of XXXX. I begin having problems in XXXX of XXXX. The Lending Club did not send me statements in XXXX, XXXX or XXXX. I sent my payments those months but was not able to see how my payments were being applied or if they were being applied on time. In XXXX, I sent a money order in the amount of {$510.00} and called on XXXX XXXX to ensure my payment was applied. As of XXXX XXXX the money order was not applied so I called the issuer of the money order and learned the money order was cashed. I sent another payment to the XXXX XXXX to avoid being late and have opened a claim to find out who cashed my money order. I have had nothing but problems and as a senior citizen I feel I am being taking advantage of.

Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (OR).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I am the co-signer on my daughters student loans. There are XXXX separate loans for a total of app {$70000.00}. She was required to start paying them back six months after graduating from XXXX in XXXX. At the same time she was to start making payments I had to file a chapter XXXX bankruptcy. Navient immediately told her she did not have to make any payments while I was in bankruptcy ( they automatically put her loans into forbearance ) when my bankruptcy ended in XXXX they had tacked on a additional {$23000.00} in interest and immediately stated harassing the both of us for repayments. I do not think it was right for them to put the loans into forbearance because I was in bankruptcy. She never filed bankruptcy and was more than capable of making the payments for the past five years. Now she owes app {$93000.00} instead of {$70000.00}. I have been helping her make the payments for the last six months. My main concern is the extra {$23000.00} in interest. It seems what they did should be unlawful to automatically put her loans into forbearance and tack on that much interest which is going to make it even harder to stay current on these loans for the next 25 years.

Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2017 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: Information belongs to someone else

Complaint: XXXX may have sold my personal and private information to a 3rd party creditor or debt collector without my permission.
[Letter #5]  XXXX was founded in Atlanta, GA, as Retail Credit Company in 1899
NOTICE OF CLAIM DISPUTE NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT APPLICABLE TO ALL SUCCESSORS AND ASSIGNS  *** {

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 09/14/2015 about Credit reporting () with Experian Information Solutions Inc. (LA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX is doing hard inquiry on my credit and I did not authorize nor give them permission to view my reports and XXXX do not have an account with them for anything. When I call them to have them remove the inquiry and stop running my credit my number is blocked and I ca n't speak to any human nor get them on the phone. The first time it was XXXX XXXX, 2015 and the XXXX time was XXXX XXXX, 2015.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/18/2018 about Debt collection (Credit card debt) with DISCOVER BANK (NC).
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint: I had a Discover card that has not had any activity before XX/XX/XXXX. A company sent me a court date for XX/XX/XXXX. I called them and told them that I only have social security and VA XXXX. They said not to worry about going to court or my money. They got a default judgment against me even though there is a 3 year statute for the last activity on the account. They sent me a letter in XX/XX/XXXX offering payment options and right after that, they sent letters saying they would seize my property. I went to the courthouse and copied my files. One of the papers said they got a judgment on XX/XX/XXXX. They never told me this. They seem very shady and unethical.

Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2015 about Student loan (Non-federal student loan) with AES/PHEAA (PA).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I am a co-signer on a private loan ( with XXXX XXXX, who knows I am filing this complaint ) now held by American Educational Service - AES. They doubled the payment, without notice, several months ago, even though my daughter was unemployed until XX/XX/XXXX. I wrote to them recently asking for a forbearance due to a death in the family, and they did not appear to grant it as they said they sent me a message, nearly a week later, but I could not access it. I told them not to call me at work, as it is a public government institution, and I also told them not to have their collection agency, XXXX XXXX to call me, but they did. I have scheduled a payment for later in the week, which is over XXXX % of my daughter 's total salary per month, but I will still owe another payment. 

This company is awful. They need to be shut down. They increased the interest on the loan early on and it is nearly XXXX what we borrowed. 

Tell families never to take a private loan ; public ones are bad, too, but private ones are nothing more than goudging.

Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2016 about Credit card () with BARCLAYS BANK DELAWARE (MO).
Issue: Billing disputes

Complaint: Thank you for being there. I called this afternoon o XXXX/XXXX/2016 about a problem I 'm having with a credit card. I called them on XXXX XXXX to make sure I had the correct amount I owed since I had a fraud issue on my accounts so bad that they wiped out both of my windows with all my info. My one computer is still being worked on. I called the credit card company twice to be sure the amount was correct so I could pay them in full have them send me a new card and start over fresh. I was told twice the same amount and paid it and got a conf. # that I was paid in full. Then I received a e-mail stating The amount was different and was told 3 different totals. I had transferred a card over to this on even the fraud case was still open Then the other credit card found in my favor and the info was sent to this card I 'm writing to you about. They told me I owed them for the XXXX article that I was found innocent of. I called the company that had the fraud in the beginning and they confirmed that that had paid it and I owed them nothing nor the card I 'm in dispute with. They are going to send me the info. to prove my case once again and she said it would take 10 to 12 days. I 'm sending that info to you so you can please stop all this. They have had me in tears. XXXX. Although most of the time I 'm at the XXXX. To me this is pure harassment and I can not deal with it any more and I truly believe they should have to pay me for what they have put me through. It is wrong I have done everything. Had info and proof faxed to them and this was never brought up until I was paying off the bill. Where I even called twice to make sure the amount was correct due to all the fraud. Being honest and this happens I 'm done and would like to see them get fined for the lack of experience they have and the treatment I was given. 
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 02/20/2017 about Credit reporting () with WELLS FARGO & COMPANY (ID).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: There are Several hard inquires from a car dealership that I worked at I was advised if I got approved for a loan it would only be XXXX inquiry I did get a loan which I had paid in full yet there are several hard inquiry marks that are not authorized on dates XXXX/XXXX/2016 only at XXXX dealership should n't have those on my report

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 11/15/2016 about Debt collection (Credit card) with Hunt & Henriques (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint: Good day. I reside in So XXXX and I have a civil court judgement for a defaulted credit card. This dates back to approx. XXXX. In XXXX the plaintiff attempted to levy my savings accnt at my credit union. I rec 'd guidance from the court 's self help clinic and submitted a claim of exemption stating my only income was from Social Security XXXX, VA benefits, and Gov't Pension, via direct deposit. The judge granted my exemption. I elected to have an additional credit union closer to home and had the VA benefits and Gov't Pension direct deposited there for convenience. Now, approx. 16 months later I receive a letter from the new credit union stating my entire accnt is frozen to satisfy a civil court judgement. I went down to them and explained my income in this accnt is protected from a civil judgement. I said there is no commingling of funds in my accounts. They stated they did not care and were going to follow the sheriff 's levy document. I stated they know where my income comes from as it is stated on the monthly statements. I stated, I believed they were violating Federal Law and state reg 's ( XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX ). I finalized my brief meeting by stating that because of their reluctance to follow the law I am currently suffering damages that the credit union may be responsible for. 
I have since filled out the proper doc 's ( Claim Of Exemption and Financial Statement ) and submitted to the sheriff 's levy office.

Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (WA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: XXXX, Experian and XXXX are allowing XXXX XXXX XXXX to report false information on my account, and is allowing XXXX XXXX XXXX to keep peoples account open even though the accounts XXXX XXXX XXXX XXXX and account 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 explanation
Consumer complaint received 09/28/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with Continental Finance Company, LLC (CT).
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: I 've disputed a purchase in the amount of XXXX from XXXX made on or around XXXX XXXX 2017, the item was not enclosed in the box and XXXX will not refund. They provided false/inaccurate information in their reply to dispute such as shipping address to XXXX, NY, delivered to a XXXX XXXX. The order date is from XX/XX/XXXX, a month BEFORE I placed actual order. They reference a XXXX watch sent as a replacement, a XXXX watch was actually ordered. I understand the bank, Continental Finance, is unable to verify such order information as item ordered and what brand. However, they are aware of correct billing and shipping address as well as my correct legal name, it is not XXXX XXXX nor do I live in XXXX, NY. Lastly, the order date is XX/XX/XXXX not in XX/XX/XXXX as their reply shows.. XXXX is known to either send empty watch boxes or defective items, they have numerous complaints against them. I sent in a rebuttal response which was not received in time as I did not receive initial reply soon enough to reply in re. I attempted to speak with a XXXX XXXX, left a message for her and was returned by a gentleman stating same information as was told by dispute dept. I was told again that they did not receive information in time for XXXX, there is only a certain amount of time to respond. Again, I did not receive information in time as the initial mailing was lost in the mail, never received. I was told to send in rebuttal reply anyway, then was denied any credit. I told the gentleman, whom I do not have the name of, that payments will cease until resolution is made in form of a credit in the amount of XXXX plus interest charges. The last payment made on or around XXXX XXXX, 2017,  will be last payment until resolution is made which I stated before.

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 11-01-2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: On XX/XX/XXXX I disputed information on my Experian Credit report that did not belong to me. There were XXXX adverse accounts from XXXX that I was unfamiliar with. These accounts belonged to someone with a different address, last name, and social security number. On XX/XX/XXXX I received a mail correspondence from Experian, report number XXXX ( attached ) finding in my favor and that all XXXX negative items were deleted from my credit report immediately. On XX/XX/XXXX I logged in to my Experian credit tracker account and notice that all of the previous adverse accounts removed from my credit report 21 months ago had been reinserted with no notice of investigation or certification of accuracy of information. as required by the Fair Credit Reporting Act. I filed the appropriate dispute with Experian on XX/XX/XXXX to get these items removed. I received a response from Experian on XX/XX/XXXX Report Number XXXX in which they decided to delete XXXX of the XXXX accounts which are all the same accounts from the same alleged debtor, XXXX that had all been deleted 21 months ago. There is no reason to not delete all of these account I have proven that they are not mine. They are exactly the same name and dollar amount as the ones deleted 18 months ago. My complaint is that Experian has failed to follow the laws of the Fair Credit Reporting Act by not giving me proper notification of investigation, or certifying the information that was previously deleted by them 18 months prior.

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 12-10-2017 about Debt collection (Credit card debt) with WELLS FARGO & COMPANY (WA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I currently have a XXXX credit card with an {$18000.00} balance, resulting from damages caused by renters. I have never made minimum payment on this card. I requested XXXX allow me to make a {$50.00} a month payment while the case is in court. 

I had owned this piece of property for 15 years and had {$20000.00} in savings. It is .32 acres, has a 14 X 70, XXXX XXXX XXXX single wide mobile and a renovated pickers cabin on it. I farmed organic here until earlier this year. My kids had live here when they were first getting started. Later it was used as a rental. In XXXX I spent roughly {$10000.00} for a new foundation and upgraded the power. Then I moved into the cabin and as I had in the past, rented the mobile.. 

The mobile was rented to a young couple featured in our local newspaper. Their first year here, he put his foot through the living room floor, said it was a soft spot. The males in my family, that had lived here, were over 6 foot tall and weighed more than XXXX XXXX and they never had problems with the floor. There was no soft spot, but I suggested they put a coffee table over the " spot '' to protect it. They did n't and told me he fell through the floor dancing with his kids.

Last winter when it dropped to 18 degrees, the foundation which protected all that was underneath the mobile, had been destroyed when the renter repeatedly crawled around underneath and removed screws leaving the siding open to the weather. The water line froze and broke. When it thawed, water flew, {$120.00} for water and + {$400.00} to a plumber to repair the break. I had asked XXXX for all statements from XXXX to present to show the court the expenses from damages since these renters arrived. To this day, I have gotten nothing. I asked them to let me make a {$50.00} a month payment until I was done with the court battle. Repeatedly I called to check status on all of these. XXXX XXXX, the man I had spoken with, is never available. I even called once to make a huge payment and it was denied. Yesterday I got a letter telling me to pay {$1000.00} and I was being `turned over to collections. 

Nothing discussed with Wellsfargo was ever done by them. I 'm XXXX. Renters destroyed everything I had done to make that the least painful and me the most functional.

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 05/22/2015 about Debt collection (Medical) with California Business Bureau, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I paid this medical account in full with the original creditor ( XXXX Medical Center XXXX ) and I was assured that the collections entry were going to be removed completely from all credit bureaus. The collection agency is refusing to remove the entry after a full payment was made to the original creditor and the collection agency is reporting the account as a paid collection instead of removing the account as I was told and agreed to. The main purpose to remove the account from my credit report is to lessen the impact on my credit score and be clear of any collections. I was assured that after making a " full payment '' the account was going to be completely removed and now that they received my money are refusing to remove the account from my credit report and instead just updated the account to reflect as a paid collection, this is a violation of our agreement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2017 about Vehicle loan or lease (Loan) with CAPITAL ONE FINANCIAL CORPORATION (CT).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: I have filed a complaint on XXXX where XXXX XXXX responded to the complaint and made several false statements. I have made previous complaints and XXXX XXXX always seems to respond to the complaint, odd. The company responded that it needed additional time for research but responded shortly after. XXXX XXXX refuses to address several of my claims in the complaint and gives several false statements during his response, more specifically ; XXXX XXXX states that the billing was compressed this is simply not true the last statement on the account was XXXX XXXX the same month the account was charged off I have proof of this. The company is in direct violation of the truth and lending act. The company continued to charge interest on a charged off loan without producing monthly statements. XXXX XXXX did state that every time I file a complaint that it would go directly to him. I do n't deserve to be harassed by XXXX XXXX. The company contacted me in XXXX with a cease and do not call on the account and a verbal request during the initial call not to call back. XXXX XXXX only addressed the XXXX XXXX call but not the Call in XXXX XXXX where I was told about their predatory lending practices by an employee. Also, the employee told me that I would be eligible for a payment plan or assistance at the 90 day mark and XXXX XXXX has promised XXXX in the past where he has lied to the CFPB because I was never given XXXX. My online account states that they have programs for me but nothing has been given or offered because of the companies false statements I have suffered financially. I have started the small claims process against the defendant and will name XXXX XXXX as a second defendant. I am a pro XXXX plaintiff. The company has charged interest on my XXXX extensions without getting my written consent or disclosing interest amounts to me. It seems as if XXXX XXXX has a personal vendetta against me.

Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (IA).
Issue: Account opening, closing, or management

Complaint: I signed up for Citibank 's Citi Gold checking account under a promotion that promised XXXX Thank You Points in return for originating the ( new ) account and meeting the eligibility requirements and a series of tasks. The eligibility requirements were : Possess a Citi credit card that earns Thank You points ( yes : Prestige and Premier cards ) You must be XXXX or older, ( yes ), New checking customers only ( yes ), Must open account before XXXX/XXXX/15 ( yes ), Must use offer code : XXXX ( yes ) Upon opening the account I confirmed eligibility with a Citi representative via secure message ( Live Chat ). 
To qualify for the aforementioned points, the new account holder needs to use the Bill Pay feature in his/herCitigold account to pay one bill for two consecutive months. I did. 
Upon completing these tasks, I confirmed that I 'd met the requirements with a Citi representative via secure message ( Live Chat ). She indicated that the points would post to my account by XXXX XXXX. 
When they did not, I started a series of communications with Cit via Live Chat and telephone calls where a determination was rendered that I was not targeted and therefore ineligible for the XXXX Thank You Points. I 've repeated the process of explaining the chronology and communication three times to Citi Gold representatives by phone, who indicate sympathy and acknowledge that the conditions for the reward were met, but then file a report with " the back office '' that generates a form letter that repeats the assertion of a lack of eligibility.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/29/2015 about Credit card () with SYNCHRONY FINANCIAL (MA).
Issue: Late fee

Complaint: Automated payment that I setup with Synchrony Bank/XXXX was flagged as fraud by my bank. The payment was thus denied to Synchrony and ended up late. I have since setup a new recurring payment but Synchrony needs to reverse the XXXX dollar late fee they charged my account since they were flagged as fraud by XXXX XXXX XXXX.

Company response to consumer: Closed with monetary relief