milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AL).
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: Your Report Number is : XXXX Your Report Number is : XXXX Your Report Number is : XXXX OnXX/XX/XXXX, I began submitting several disputes indicating I had filed a Chapter XXXX bankruptcy. I submitted my bankruptcy information that indicated the bankruptcy number and list of creditors. Most of the accounts were updated correctly, however, I have 4 accounts where the dollar amount should state XXXX and 1 account that should state included in bankruptcy. 

On XXXX XXXX, XXXX, at an approximately XXXX XXXX  central standard time I called to inquire about the latest results. The customer service I received was by far the worst. I have contacted this company many times in the past and have always received superior service. I stated I had questions about the results I received. The representative stated, what 's your question. I informed him of the question, he asked for the report number and my name. He did n't verify any other information. He then became extremely rude, I asked to speak with his manager, he stated his manager could not accept calls but offered to have his manager call back within 24-48 hours. I then requested to speak with another representative, he said no and that he would drop my call. I asked for his name and stated I was recording the conversation, he said XXXX. Then he dropped the call. I had to call back 30 minutes later, I was on hold for 30 minutes before I spoke to someone, however, she was more than helpful to assist in initiating disputes. Please pull the call, I ask that you do something about this type of service. I am also unhappy with the number of disputes in order to get my information corrected. Please look into why this is happening.

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 05-12-2017 about Debt collection (Other debt) with Pressler & Pressler, LLP (NJ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: Pressler and Pressler, L.L .P file a motion to turn over funds from my bank account they enter a judgment they say in   XXXX   For the sum of  XXXX  plus cost from   XXXX   XXXX   XXXX   XXXX   XXXX   they already levy from the account  XXXX  on  XX/XX/XXXX  they give false statement to the court that they hold the debt to collect I file a claim before to cfpb the  XXXX   XXXX   XXXX  said they sold the account to  XXXX  and the no longer have the right to collect but they has the civil action against me they said they will continue with collection process

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MO).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I use to have XXXX loans with XXXX and then consolidated them into which then it went to navient. I have been in forebearance or deferment for the last few years do to hardship. I recently received a small settlement and would like to pay off my student loan. Like most people know student loans do n't usually settle. I owe a little over XXXX at the moment when I received these loans I only borrowed a little over XXXX. Anyway my complaint with Navient is how much interest has occurred on these loans in such a short time. From where they were at when Navient took over till now. Is there someone who can look into this and see if I 'm being ripped off or what can I do. I want to pay this loan off now but for the right amount and I think I 'm getting screwed over with the interest rate and how my loan has went up so much with them so fast. Please help me

Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with National Credit Systems,Inc. (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: This debt is not valid. The information is inaccurate. They are trying to charge me for things that did not even exist. They said I owe XXXX but in cost to repair it says XXXX dollars. Then when I ask for explanation of charges they send me a maintenance price list in which half of the items are not even on the move out sheet. This has cost my family to be homeless among many other things.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (WI).
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint: I would like validation of my student loans with Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2016 about Credit card () with CITIBANK, N.A. (PA).
Issue: Credit card protection / Debt protection

Complaint: Sir/Madam, I have a Bestbuy credit card. I made regular payments since 2 years. I started falling behind my payments since approx. 3-4 months. I had a debt protection plan on this card. I am unemployed since XXXX 2015. Still I manage to pay payments till XXXX 2015. I asked Best buy card to waive off my balances as I can not pay the balances. They first asked me I must enroll to State Unemployment agency. Since my United states XXXX application is pending so I told them that I cant enroll as I am not eligible to receive unemployment benefit. They argued and latter asked me it is enough to enroll with job portals which I already have been registered with major job search websites. They sent me a form to fill up and send back to them. I could n't send them the form on time and I sent it couple of weeks. They kept sending me bills. And now I received a letter saying they have cancelled my debt protection plan and closed my account and I have to pay late fees previous balances total {$350.00}. They also mentioned that I have full balance payment of {$1300.00}. I am feeling cheated now and frustrated. They knew my situation still they are doing this.

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 10/26/2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (MN).
Issue: Loan modification,collection,foreclosure

Complaint: About 2013 I had lost my house because it was unable to sell. The loan amount was alot more than i could actually get for it. The house went into foreclosure. The house sold on XX/XX/XXXX for XXXX. The XXXX mortgage with a balance of XXXX was never taken care of. between XX/XX/XXXX and XX/XX/XXXX i have tried to communicate with them about this matter, they would say ok we will note that the house has been sold and yes it should of been taken care of but in the years it has still been on my credit report saying late/ non payment. I called them again today and i was on the phone for 1 hour and 5 mins. transferred to XXXX departments and no one could help me. At the end they told me that i have dedicated specialist and gave me her number and said it was now marked as a " Charge Off. ''

Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: I called Transunion twice to talk to someone about inquirys on my report. Im trying to understand why all inquirys was removed from my report when I checked. I pull my report and transunion has reinserted what they previously deleted. This is a breach of FCRA 611 5 ( B ). I didnt recieve any notice in the mail, email, or by phone of anything. And the representative would not help me and explain to me why this happen. I listed all inquirys below XXXX XX/XX/XXXX XXXX Misc XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX 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 12/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (WI).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There are many mistakes appear in my report without my understanding.

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 02/22/2018 about Debt collection (Credit card debt) with Army and Air Force Exchange Service (FL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint: AAFES, XXXX XXXXr Credit Card was issued to me. After I used the card and paid much of the debt, I had used the card again and was in good standing for 2 years with the company. 
My husband and I separated in 2016. I fell behind in payments and the debt went to collections. They harrass me and threatened to garnish my wages. 
I am now going through a divorce and I am unemployed. I have NOTHING! 
AAFES, and their collection agency ( TOPS ) make threats and say they will take my Federal Income Tax Return.

The debt is {$4000.00} with over {$1500.00} in interest! 
They are crooks!

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 11/15/2015 about Debt collection (Credit card) with Absolute Resolutions Corp. (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: I want to know why XXXX was hit with a consent order in XXXX and told that employees of the debt collector could not testify in court as custodian of records as to the validity of the documents, and therefore not have the documents submitted into evidence, it is still allowed in XXXX? Specifically by Absolute Resolutions. A debt buyer that uses it 's own employee, XXXX XXXX, to testify as custodian of records for debt that originated with XXXX XXXX.

Company response to consumer: Closed
Consumer complaint received 04-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: There are 5 name on my credit report that Ive been trying to correct for almost a year ... .. 
XXXX XXXX XXXX - not me XXXX XXXX XXXX -not me XXXX XXXX XXXX - not me XXXX XXXX -not me Ive paid in good standing XXXX car loan XXXX XXXX XXXX Never lived in any other state 2 address XXXX XXXX XXXX XXXX nj XXXX-me XXXX XXXX XXXX XXXX nj XXXX -me 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 10/23/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: Hello, I been dealing with Wells Fargo Home Mortgage since XX/XX/XXXX. I had a hardship around XX/XX/XXXX-XX/XX/XXXX with my company because of the slowing economy. Before that period I was never late because this is a rental property that pays for itself with positive income. During my hardship a 3rd party started collecting the rents to pay down another debt as well as pay the mortgage on time. They fell behind by a few weeks. I went to court so this company could no longer collect my rents. I spoke with Well Fargo about making a few extra payments to caught up with my mortgage payment, or a modification. I ask about a payment plan, forbearance, or reinstatement. I sent them paperwork from the courts, but they would not work with me. I had XXXX % of the balance, but they wanted XXXX %. I asked could I triple up on my payment, they said no. A representative said that Wells Fargo will not work with me because I have equity in the house and they want the house. I was denied 3 times without a clear explanation. I call them, wrote them, and was refused to speak with a supervisor. I was delayed because I had to send the same paperwork to them over & over. I was forced to file bankruptcy to save my house. They can foreclose on my house at anytime. I just want to be able to sleep at night knowing I will be able to continue paying toward the balance without the threat of losing my house. I can have this house paid off in 6 years if Wells Fargo just communicate with me. They are determined to take my house that I purchased in XX/XX/XXXX. What can I do to make this situation favorable to me and a lender. My escrow account is mixed up because I been paying taxes & insurance and they have been paying also. Need advised ASAP.

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 11-01-2016 about Debt collection (Medical) with TRANSWORLD SYSTEMS INC (FL).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: The constantly call me wanting me to pay over the phone, and want my personal information. When I tell them I will verify what they have the lady got really rude with me and told me they are going to sue me and garnish my wedges, but would not tell any thing else.Will not send me any papers in the mail like I have repeatedly asked. Constantly tell me that I need to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2015 about Credit reporting () with Experian Information Solutions Inc. (MS).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: THIS IN REGARDS TO A COLLECTION ACCOUNT ON MY CREDIT REPORT LISTED AS XXXX XXXX # XXXX for the amount of {$620.00} that has been disputed in the pass ... the experian did not properly verify this account ... .due to the fact that the company itself has no imformation regarding this account accept the original creditor. when i disputed the validity of the debt .... experian will not inform me of their verification methods .... ..

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/23/2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (WA).
Issue: Loan servicing, payments, escrow account

Complaint: My fianc and I our recently refinanced our mortgage. We are both 100 % owners of the home. We both signed all of the paperwork together. We are both 100 % liable for payment of the loan. 

The new loan was immediately transferred to Green Tree for servicing. However, for whatever reason, only one our names is showing up in the Green Tree system. Green Tree personnel refuse to talk - or even deal with - the other person on the grounds that they are not authorized on this account. 

We 've taken steps to try to correct this error and get both our names into the Green Tree system. We 've made phone calls, sent them written statements, and even faxed over supporting documentation such as the Promissory Note, the Deed of Trust, the HUD-1 which clearly shows the loan should be in both our names. 

To date, we 've received no respond at all from Green Tree on this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/18/2016 about Credit card () with CITIBANK, N.A. (LA).
Issue: Other fee

Complaint: I have a CITI issued prepaid visa that was issued XX/XX/XXXX. I was unable to activate it in the 4 month window. When I called today XXXX agent ID XXXX advised they seized all funds and account {$0.00}. The terms and conditions advise of a {$3.00} per month maintenance fee but has no reference to the card company seizing entire balance. 
XXXX Visa Card was issued with balance {$120.00} now {$0.00}

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 12/21/2016 about Credit reporting () with FACTUAL DATA CORP. (TN).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: wrong information on my report im XXXX

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. (MA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mishandled my personal information including name, social security number, address, birthdate, driver 's license number, and possibly more. They allowed a data breach to occur in XXXX 2017, and they confirmed I could be affected on their website, www.equifaxsecurity2017.com. They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties they are responsible for up for " trial periods '' of their ID protection services. The negligent loss of personal information of nearly 200 million consumers is unconscionably unethical, and it is further unreasonable that they are not directly notifying every single person affected by this incident.

Company response to consumer: Closed with explanation
Consumer complaint received 03/18/2017 about Credit card () with Army and Air Force Exchange Service (DE).
Issue: Billing disputes

Complaint: I have an Army/Air Force Exchange Service ( AAFES ) credit account that was charged off in XXXX. The only statement I have received with this account was this past XXXX. The charge off amount was {$9200.00}. In XXXX, my XXXX Federal Tax Return was garnished in the amount of {$2700.00}. In XXXX, my XXXX Federal Tax Return was garnished in the amount of {$3300.00}. However, in the statement I received just prior to filing my XXXX tax return stated that there was a total due of {$8300.00} and showed interest charged. It also stated that the account was now being handled by XXXX, a debt collector. With both my XXXX and XXXX tax returns paying the account, the total that should be remaining is {$3100.00}. I just received an updated statement showing a payment of {$3300.00}, which is {$17.00} less than what was garnished from my taxes leaving a balance of {$5000.00}. I contacted the company collections department and was told that they can and will continue to charge interest even though they sold the account to a debt collector. Furthermore, she tried telling me that as of XXXX, my debt balance was supposedly {$18000.00}. First this was never notified to me. Second, if there have only been two payments, my federal tax return totaling {$6000.00}, how can they try to claim I still owe {$5000.00} yet claim my balance in XXXX was {$18000.00}. They are fraudulently trying to collect {$1900.00} more than what should be remaining on my account.

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 10/16/2017 about Student loan (Private student loan) with MASSACHUSETTS EDUCATIONAL FACILITIES AUTHORITY (MA).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: I am currently a college graduate student at a XXXX XXXX in Massachusetts.I was encouraged to apply for student loans through XXXX 'MASSACHUSETTS EDUCATIONAL FINANCING AUTHORITY ' a state agency which are only available to students who are Massachusetts residents or attend college in Massachusetts.I was devastated to learn that i could not defer my undergraduate loans from XXXX XXXX while i continued my education.

Company response to consumer: Closed with explanation
Consumer complaint received 12/31/2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (MT).
Issue: APR or interest rate

Complaint: In XX/XX/XXXX I took advantage of two year-long, 0 % promotional APR rates through my Bank of America credit card to help pay for my daughter 's wedding. At the same time I continued to use the card for purchases and had an outstanding balance. The APR on the purchase balance was at 14.24 %. The APR on the promotional purchases was 0 % up through the expiration period on XX/XX/XXXX. 

On XX/XX/XXXX I made payments on my account sufficient to pay off the promotional balances and some of the purchase balance. My assumption was that the promotional balances, even though they were currently at 0 %, would be paid off because they had an underlying rate of 19.99 % that would take effect the next day, on XX/XX/XXXX. 

Because the rate on XX/XX/XXXX was 0 %, the purchase balance - at 14.24 % - was paid off and the rest of the payment went to another O % promotional purchase that was to expire in XX/XX/XXXX. In the meantime, the XXXX promotional balances that had been at 0 % on XX/XX/XXXX went to 19.99 percent on XX/XX/XXXX. The irony of this is if I had known clearly that my payment would go to the purchase balance before the promotional balances, I would have waited a day to make my payment. 

According to the customer service representatives at Bank of America, they followed the law that Congress passed. However, it seems as though the law, while well-intended to make sure that high-interest balances are paid first, had an unintended consequence ; or was it a loop-hole that banks have capitalized upon, literally? 

In fairness to Bank of America, when I called customer service and explained the situation, they acknowledged my intention and have credited nearly {$200.00} in interest charges back to my account, AND reset the interest rate to the purchase rate of 14.24 percent. Although it did take three separate calls to customer service to explain my concern, and finally a referral to a supervisor, who made that adjustment. Even so, they certainly did n't have to do that, and for that, I am grateful and appreciative. 

So this is n't as much a complaint about a bank and a credit card as it is about the legislation and how it is being applied.

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