milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX XXXX told me they had decided to forgive the debt. They sent me a 1099C showing the full amount was that is being forgiven. However the credit bureaus are still reporting that balance as past due to the credit bureaus. If they have forgiven the debt, and legally discharged by submitting the 1099C form to me and the IRS then there should be a zero balance and this account closed.

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 02-10-2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: When I turned XXXX last year I went in to XXXX XXXX and the banker helped me apply for a credit card. The credit card was denied because I was in " debt ''. I had just turned XXXX, and I applied for a credit card to help me build my credit. I was upset that They denied my application, and I was told I had to wait 6 months to try again. I wanted to know why, so I looked in to getting a credit report. Just turning XXXX years old should have meant I have absolutely nothing negative on my credit report. When I was sent my credit report from all three credit " reporters '' their was an error on my account, saying that I owed thousands of dollars in medical bills from XXXX of 2009. In XXXX 2009 I was XXXX years old, and legally I was not responsible for paying for that. I called and explained this to the person at experian, and they said they would take care of it, and supposedly they did. This week, I went in again to apply for a credit card, and I was denied again. I can not believe that this is happening to me. I can not get a finance a car, or get a credit card, all because of this error. This is not fair to me. I 'm a XXXX, who wants to be an XXXX when I graduate, and credit is the most important thing to me. I am asking for help. I have so many other things to worry about like homework, school and work, and it 's not fair to me that I even have to go through this nonsense. 
Sincerely, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/16/2015 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (FL).
Issue: Loan servicing, payments, escrow account

Complaint: XXXX 2015 I changed insurance co. I sent the refund I received from the old insurance co. to seterus. It should have been applied to my escrow, but was applied to the principle instead. I made my XXXX payment and for some reason that payment was put in suspense. My payments each month have all been jacked up ever since. I have called seterus I do n't know how many times trying to get this straightened out. I was told by more than one representative that they could see some crazy things going on and that I needed to send a letter to their correspondence department. On XX/XX/XXXX,2015, I sent a letter along with all statements that they have been sending me, a copy of my bank account showing where the payments were taken out of my bank and a copy of the newest ammitorization sheet ( which shows I might add that I have a surplus in my escrow account and am owed a refund of approximately {$1700.00}. ) All I have heard back from them was that they received my packet and were going to examine it. I am also set up for auto-pay in their system and since they have an issue with some of my payments being placed in suspense, the auto-pay is not taking my payments out. I was told by several different representatives that they would waive any late charges and the charges for paying by phone, since it was not my fault that auto-pay was not working. I have made each months payments and am not behind or late on any payments, plus they owe me a refund. Meanwhile I 've been receiving phone calls from them wanting payments that I have already made. I have documentation to prove all this, but it is in paper form and I would have to copy it and send it to you by mail.

Company response to consumer: Closed with explanation
Consumer complaint received 03-06-2018 about Debt collection (Credit card debt) with Army and Air Force Exchange Service (TN).
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint: On the XX/XX/XXXX I received a letter from the XXXX XXXX XXXX XXXX. The was to collect a debt for a credit card. The debt was turned over to a collection agency and they want the same amount as AAFES. I tried nu.erous times to work with AAFES to pay my debts. I called and emailed. No response. Was told I was only allowed to XXXX XXXX money after they signed me up for automatic deductions/withdrawals that I didn't sign up for. They charged me for late fees or NSF because of this. 

They have also told me I am not eligible for this card. It is required that you be in the military or a veteran. If I am no eligible for the card, how did I get the debt in my name?

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 05-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint: On  XXXX   XXXX     2016 I  called century link to set up internet service at my home. The only thing I was getting was the {$15.00} a month internet for 6 months which was their special. The guy who I spoke with in customer service asked me a few questions and never asked me if he could run an inquiry on my credit, nor did he give the option to pay a deposit. Neither was mentioned in the phone call. I was livid when I later got an email from   XXXX   XXXX   showing a hard inquiry on my credit that I never authorized. I called century link and spoke to someone who verified that the guy di not ask permission as they recorded the initial call. I asked what recourse I had and they said I would have to contact the  XXXX , La office and try to get them via mail to take this off. There was no person I can contact although they had verified the recording. My only recourse was to try to send a letter to a p.o. box. This is unacceptable as I never authorized the transaction upon confirmation of the unauthorized inquiry it should have been removed and sent up the chain to get the information updated on my credit. I also found out that I should have been given the option to pay {$150.00} deposit to avoid a credit inquiry. I was never given that choice. I called several times and never could get anyone on the phone who would help me other than to tell me that I was right the inquiry was not authorized.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (MD).
Issue: Other fee

Complaint: On XXXX XXXX, I bought airline tickets using my Bank of America credit card, on XXXX XXXX website ( XXXX ). There were a total of XXXX transactions on my statement for this purchase : XXXX tickets ( {$1000.00} each ), plus XXXX seat upgrades ( ranging from {$29.00} to {$100.00} each, for a total of {$530.00} ). 
Despite the fact that these tickets were purchased on a US website, from a US merchant, in US dollars, Bank of America charged a foreign transaction fee of 3 % for each of those XXXX transactions, totaling {$80.00} in fees. 
I contacted Bank of America and requested that they cancel and refund these fees. Bank of America representatives maintained that the fees were correctly charged and legitimate as the transactions were processed in XXXX, and refused to refund them. 
This is a deceptive and abusive practice as there was no way for me at the time of the purchase to know that there would be such a fee ( as, again, I was making a transaction with a XXXX merchant on a XXXX website in XXXX dollars ), and therefore I could not avoid those fees ( by, for example, choosing a different method of payment ).

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 09-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with LEXISNEXIS (GA).
Issue: Problem with fraud alerts or security freezes

Complaint: XXXX XXXX I requested a security freeze and suppression regarding my personal information with Lexis Nexis. I received a letter that both request were placed onto my account, but still Lexis Nexis still continue to release my information.

Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (SC).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I 've tried several time to renegotiate the terms and conditions of my payment plan to LOWER my monthly payments based on my income. The offers that the company has extended would offer be well out of my budget based on other financial and medical obligations over the years, forcing me to place my loan into Forbarance/Derferment all the while it increasing the total of the loan because of the interest that builds. As an XXXX I 've been told about forgiveness programs that I 've applied for only to been denied. I 've tried everything that I can and would like assistance with this matter because I feel like my case has been wrongly handled according to the federal law that was passed back in XX/XX/2009. 

Thank you for your time and this opportunity to review my case

Company response to consumer: Closed with explanation
Consumer complaint received 01/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
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 explanation
Consumer complaint received 10/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NC).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have disputed this Account on many occasions with XXXX, XXXX and Experian about the Inaccurate reporting and each time it comes back as verified. I have sent an email to XXXX XXXX XXXX regarding this issue and have n't gotten a response back from them. 
Date of first delinquency show XXXX Monthly Reporting history show 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 03/28/2017 about Bank account or service (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (AL).
Issue: Account opening, closing, or management

Complaint: Capical oNE has.my debit card and receives my social security d eposits. They are always putting restrictions on my account for no good reason. As of now I can not open profile that is my name and address and forms I wish to name my beneficary. 
I call them to lift the restrict ions I get passes to so many different agants. The latest excuse is that I left XXXX and went to XXXX and used a dI fferent wifI on my cell. Phone. They said my access to profile is blocked for several days until operations I XXXX reviews it. Do I have to get permission from Capital one to go somewhere. 
I get the impression that securit has. Nothing to do except block account features. 
They are persecuting account holders and interferING with banking. I assured them no one had access to my account nor my cell phone.

Company response to consumer: Closed with explanation
Consumer complaint received 03-11-2016 about Mortgage (Conventional fixed mortgage) with PENNYMAC LOAN SERVICES, LLC. (PA).
Issue: Settlement process and costs

Complaint: More than 365 days and ongoing, I have submitted legal documents to have my name changed on my PennyMac mortgage loan. I have mailed, faxed, and scanned via their secure portal my judge signed name change, copy of my state license reflecting the name, and a copy of my homeowners 's insurance showing that my name was legally changed in XX/XX/XXXX. In addition, I recently received a modification in XXXX where the documents I had notarized where in the last name XXXX, therefore, my problem is with settlement documentation. This request is important to ensure I am able to stay aware of my credit report for incorrect data and avoid fraud at all cost. I have been a victim several years ago of fraud and would like to avoid any and all opportunities for it to occur again. I am extremely confused because the receive and pay the policy which is submitted by XXXX under the last name XXXX. I would really like your assistance with having my information corrected. In addition, this service provider has sent correspondence to my address for their other customers. This is very scary for someone that should protect your information.

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 repair services) with Performance Settlement, LLC (AZ).
Issue: Fraud or scam

Complaint: A company called Performance SLC LLC called me claiming to want to help me be forgiven of my student loans with the " obama student forgiveness program ''. They claimed they would consolidate my loan and after 3 yrs I would be forgiven of the remainder. They have my social security number ( but I refused to give my bank account info which they were pressing very hard for ). I looked up the company and realized it was a scam. I am worried they will use my social for fraudulent behavior under my name. They are calling and preying on people who are struggling with debt. I sent them an email stating they had did not have permission to use my info for anything but Im not sure what else to do.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (KS).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I enrolled at the University XXXX in XXXX and finished by degree in XXXX Navient had said my loan % was going to be 1.75 % but when I started paying it back it was 2.25 %. When I called them they said I had been late on one payment and that I had to pay the higher rate. According to my records I was never late on a payment. When I contacted them again later they still were not willing to lower my percentage. I have paid on the loan for over 10 years. I had borrowed of {$30000.00} to finish my college.

Company response to consumer: Closed with explanation
Consumer complaint received 06/14/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint: I am trying to submit my yearly documentation  to Navient for Public Service Loan Forgiveness. The only information on the Navient page directs customers to go to studentaid.gov to learn about PSLF. Once at the student aid page it explains what PSLF is and that you submit your yearly application to your loan servicer ( which would be navient ). Navient has an entire page for the documents you can upload from forbearance to income based repayment but there is NOTHING on where you can submit your PSLF documents. This makes it extremely difficult for public servants drowning in student debt to do our part in submitting the correct paperwork, and work toward debt relief after  10 years.

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On XX/XX/XXXX, my XXXX credit report shows 11 hard inquires and an additional 8 inquires on XX/XX/XXXX. At that time, I agreed to co-sign on a vehicle but had NO IDEA, my credit would be checked 19 times!! 

A list of the credit unions include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I realize that these are inquiries and have not significantly affected my credit SCORE but I was just denied for a travel benefit credit card due to this number of inquiries. I would sincerely appreciate if something could be done to have these removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (ME).
Issue: Account opening, closing, or management

Complaint: I signed up for a citibank gold checking account in XXXX of 2015. The promotion read sign up and make XXXX bill payments and get XXXX thankyou points after completing this offer. I completed the XXXX bill payments and was recently notified that my account was ineligible for the reward as it was only for targeted customers. At no point during the signup process was I made aware of this. The link was directly on citi checking account page when I signed up-it has long been deleted since.

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 09/21/2016 about Bank account or service (Other bank product/service) with CITIZENS FINANCIAL GROUP, INC. (FL).
Issue: Account opening, closing, or management

Complaint: I have an extended fraud alert on my credit file as I 've been the repeated victim of identity theft since XXXX 2016. Despite this fraud alert an individual at Citizen 's One Bank was trying to secure an auto loan for a 2016 XXXX XXXX from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX # XXXX ). As is standard when authorizing a hard pull the individual at Citizen 's One Bank accepted an inbound, not outbound, call and spoke to the criminal using my identity. This violates the fraud alert and compromises my identity and safety even further. The individual 's name was XXXX at Citizen 's One Bank and his direct phone number was XXXX ext XXXX XXXX XXXX # XXXX XXXX. This employee of Citizen 's One Bank acted negligently and Citizen 's One Bank needs to immediately work with XXXX and have this inquiry on my credit removed. I 've filed an additional police report with local law enforcement.

Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2017 about Debt collection (Medical debt) with ASSET MANAGEMENT OUTSOURCING, INC. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX XXXX XXXX, XXXX XXXX, XXXX, TN XXXX opened a collections effort against me for XXXX XXXX  XXXX XXXX. It appears to be dated XX/XX/XXXX, 2017.  XXXX XXXX XXXX XXXX charged me for services provided by laboratories that were not in the network for my XXXX XXXX XXXX XXXX coverage without my knowledge or approval. Each time when I checked out of the office, I was told that no payment was due. 
When I attempted to discuss the account with XXXX XXXX  XXXX XXXX on several occasions, they would not address the issue in detail and never returned phone calls in regard to the matter. It appears that they have done this several times and have not attempted to resolve the issue when I contacted them to discuss the matter. These are unauthorized charges as they are associated with annual physicals that are fully covered under my insurance plan. This appears to be a repeating pattern for this medical group and should be investigated by the Georgia licensing board as an unfair practice. If this negative impact matter is not promptly removed from my credit report, I will file formal complaints with the governing medical licensing group and with my insurer in an attempt to have the practice removed from in-network status with XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2016 about Prepaid card (Other special purpose card) with AMERICAN EXPRESS COMPANY (CA).
Issue: Fraud or scam

Complaint: Concerning American Express Serve prepaid card. An ATM transaction I was charged for but did not receive the funds. Theft of funds by charging me more then what was approved I have disputed the ATM transaction and Serve sent this document claiming to be from the merchant. The document and statement are fraudulent. I went to XXXX XXXX and got a copy of the transaction and as you can see it was declined by the institution. I also contacted the ATM provider, XXXX, they too show it was declined. 

Attached is the statement showing amounts taken from my account along with receipts for what was authorized. I was only able to have these XXXX transactions corrected by including them with the disputed ATM transaction. You can only dispute it if they send you a form. Complaining to customer service goes unnoticed and they are used by management as a shield for their unscrupulous practicies. As a result I 've been taken for thousands over the years. 

Serve blames the merchants. This is not on the part of merchants, this is being done in the '' back room '' of Serve. When the correction of the XXXX transactions was made, the statement reflected not what was taken out XXXX XXXX & XXXX but what the original payment order was XXXX & XXXX. The difference of XXXX was put back into the balance. When I confronted Serve with where the money went and where it came from I was put on indefinite hold, shuffled around to numerous departments and fed all kinds of XXXX. until it was admitted Serve was the culprit. They call it " padding ''. Padding their pockets is theft. 

I wish the CFPB to force Serve to cease its unscrupulous practicies and turn over detailed transaction records relating to all current and past accounts held in my name

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/28/2017 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: on XX/XX/XXXX the collection company " XXXX '' was removed from my credit report due to a credit dispute that i initiated. Upon looking over my credit report XX/XX/XXXX I have noticed that the collection was placed back on my credit report by Equifax without any notice to me at all of the collection be placed or going to be placed back on my credit report.

Company response to consumer: Closed with explanation