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. (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: After the XXXX breach, I started to get concerned about my credit and wanted to make sure that my information was correct and up to date. I enrolled in a credit monitoring website called XXXX XXXX  XXXX and from there I was able to take a look at my credit report. I started to noticed a few credit inquiries for banks that I did not apply for. This was alarming because i never authorized the credit companies to look at my credit history. I immediately contacted Experian, XXXX and XXXX to place a block on the fraud inquiries. 

XXXX XXXX XXXX XX/XX/2017 XXXX XX/XX/2017 XXXX XX/XX/2017 XXXX XXXX XX/XX/2017 XXXX XXXX XXXX XXXX XX/XX/2017 XXXX XXXX XXXX XXXX XX/XX/2017 XXXX  XXXX XXXX XXXX XX/XX/2017 Experian XXXX XXXX XXXX/XXXX/XXXX XXXX XX/XX/2017 XXXX  XX/XX/2017 XXXX XXXX XX/XX/2017 XXXX XXXX XXXX XX/XX/2017 XXXX XXXX XXXX XXXX XX/XX/2017 XXXX XXXX XXXX XXXX XX/XX/2017

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 02/28/2018 about Student loan (Private student loan) with AES/PHEAA (PA).
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: I recently read AES has the second highest complaints of all loan companies, namley charging more in interest. This article prompted me in scrutinize my own arrangement to which I discovered that more often than not the majority of my monthly payment is put toward accrued interest. In total, I've paid XXXX toward my loan but only XXXX has gone toward principal. How have I paid this much money and have only paid off XXXX? 

Very few times was there more applied to principal than interest, I was often charged $ 20-50 or more in interest. There was even one payment that only applied {$9.00} to principal out of a {$170.00} payment. These monthly payment minimums are misleading as it doesn't say how much gets put in each month, the amounts are always different, and you can't edit to pay different amount. Who's to stop an extra payment from going totally to interest when you're not given the opportunity to express this? 

I believe my account needs to be fully audited and I demand some action be taken, this is criminal.

Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2015 about Credit card () with BARCLAYS BANK DELAWARE (IL).
Issue: Billing disputes

Complaint: Carnival/Barclaycard Master Card was never received, The account was sent to XXXX XXXX XXXX , XXXX. The error was the address was incorrect and no billing nor XXXX was ever received. The total amount is XXXX, XXXX sent me copies of the bills. I called Barclay and spoke to a XXXX XXXX who told me he had the correct address. I had made payments toward the bill. I request to speak to a manger and no one has called me back. I owe for a acupuncture session, not sure what else it totaled to the amount. My credit score has changed, because of this error. My credit cards credit amounts are being reduced. I am sure all of the billing and master card had to be returned. I am mailing out today letters to Carnival and Barclay and XXXX of the error. I am requesting that corrects are made to clear this problem. I would like XXXX XXXX, XXXX, XXXX 's, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX card to be advise of this mistake/error on behalf of Barclays Cards or Carnival card services.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 05/23/2017 about Debt collection (Medical debt) with GULF COAST COLLECTION BUREAU, INC. (FL).
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint: I was involved in an accident at the XXXX XXXX XXXX 2016. The other driver was found to be at fault. The driver was in a work truck pulling a trailer and rear ended me going around 40-45 mph. I was seen at a local ER within the next 2 weeks and then was seen by XXXX  and now an XXXX XXXX. The bills I received originally I sent to my insurance agency to pay, and I was under the impression that these were covered completely. They were not, however, two in  particular were applied towards my deductible and an outstanding balance remained. I moved addresses from XXXX area to XXXX area and had my mail forwarded to the new address but did not receive any further contact stating that any balances remained. I did not receive mail, phone calls, or emails despite my phone number and emailing being up to date and current with both agencies. I did not know about the balances until I received bills from collections agencies. XXXX XXXX XXXX and Gulf Coast collection bureau. I have attached those bills. I also had a credit report done and these collections have made my credit score drop over XXXX points. If I were to have been contacted by the original billing agencies properly I would have gladly paid the bills to avoid collections and just received the settlement from the insurance at a later date. The debt collectors ASSURED me that if I pay it will immediately come off my credit, but I am concerned that it will only show as paid debt and still be on my credit bringing it down for 7 years. The original billers were XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX. I contacted both of these companies and they stated that they mailed me bills, however I did not receive them and they did not make any attempt to call me or email me or I would have gladly paid the bills. Instead, this is now effecting my previously PERFECT credit and literally destroying my finances and making it difficult to get a home loan.

Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2017 about Mortgage (FHA mortgage) with FREEDOM MORTGAGE COMPANY (FL).
Issue: Credit decision / Underwriting

Complaint: I have not been in contact with my loan processor/mortgage broker, XXXX XXXX at Freedom Mortgage Company in XXXX, FL for several weeks. He has not contacted me after I have made several attempts via emails, phone call, voice messages and text messages for a status on my loan application approval. I do n't know if my loan was approved or denied. There has been no phone call or email with a status of my loan. It is approximately 2 weeks before my closing date. At this point, I am left with wondering if myself and XXXX child will be homeless due to the disregard and unprofessional conduct by the loan officer. Also, I have tried to contact the loan officer manager and left him a voicemail. He has not responded back to me either. The last time I spoke with the loan officer, XXXX, he stated he was going to submit my loan on Wednesday, XX/XX/2016 and he had the signed documents.

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 03/20/2015 about Credit card () with SYNCHRONY FINANCIAL (CA).
Issue: Credit card protection / Debt protection

Complaint: I have used my credit card issued by XXXX Credit to make a purchase at XXXX XXXX. When I checked my credit card activity online I have realized that I have a PENDING charge for my purchase and other PENDING charge from XXXX XXXX XXXX. Please, see below and read the little print that it even EFFECTS my AVAILABLE CREDIT:XXXX PENDING XXXX CA XXXX XXXX $ XXXX PENDING XXXX CA XXXX XXXX $ XXXX Recent activity may not reflect all pending fees and charges*** This transaction is pending, which means it is not yet posted to your account or included in your Current Balance, but it may impact your Available Credit. The transaction should post within XXXX hours. Some transactions amounts may be rounded to the next highest XXXX amountWhat happens is this : the {$11.00} will never show as a balance on my credit card statement. It will go from pending to not showing at all. Someone is using my credit as a short term free loan. How is that possible. How can someone abuse my credit and get some free funds on me. The same thing just happened to my husband purchasing gas at XXXX. A gas purchase and a non-related charge from some unknown company. Please, see the supporting documentation. 

The XXXX XXXX is issued by Synchrony Bank pursuant to a license from XXXX XXXX XXXX. XXXX is a registered trademark of XXXX XXXX XXXX. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax failed to take appropriate measures to safeguard the data of 143 million accounts, putting my identity at risk.

Company response to consumer: Closed with explanation
Consumer complaint received 10/15/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Union Adjustment Company, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: i was contacted by the debt collectors several times, each time i told them this was not my debt, even though i share the same name, they have the wrong guy. they assured me that if it was not reflecting on my credit, that it was not attached to me and that it wasnt a problem. yesterday my work informed me that they received a court order to start garnishing my wages. the debt collector somehow pushed this through court, without having my social security number or date of birth, and now my work is saying they have to enforce it. I need to prove that this debt is not mine asap. please any help or advise would be greatly appreciated. thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 12-11-2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (MO).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: Wells Fargo Home Mortgage is denying my settlement because of my race, XXXX. 

Wells Fargo Home Mortgage agreed to pay over {$1.00} XXXX dollars in a lawsuit to XXXX XXXX, and other similiar classes, where Wells Fargo Home Mortgage discriminated against XXXX, XXXX and other similiar classes in a lawsuit brought by the Department of Justice. 

Wells Fargo Home Mortgage discrimated giving XXXX less favorable interest rates and loans than other loan applicants. Although they have not used this excuse, maybe Wells Fargo Home Mortgage did not know that some XXXX are aware that interest rates equal dollars and higher payments, which occurred in my situation causing me years of grief and financial sufferring. I continue to suffer at the hands of Wells Fargo Home Mortgage. My mortgage is being forclosed on in 2 days to cover it all up. This too is illegal in case Wells Fargo Home Mortgage does not know. 

Wells Fargo discriminated with my loan and is now discriminating again by continually denying my settlement using false pretense excuses and lies. They have come up with many excuses and lies. 

I have provided documents to refute those excuses, but it boils down to Wells Fargo submitted to this voluntarily settlement because they never intended to make good on the settlement as they promised the Department of Justice and the Federal Court. 

I am being punished again because of my race, XXXX. This was not a refinance loan which Wells Fargo Home Mortgage lied in a recent previous complaint. This loan originated within the designated time frame listed in the settlement with the Department of Justice and the Federal Court. This was a brand new loan as it shows by Wells Fargo Home Mortgage own document. This loan did not originate outside of the time frame as Wells Fargo Home Mortgage continually and originally said. This loan Originated XX/XX/XXXX, also shown on Wells Fargo Home Mortgage own document also enclosed with this complaint. There are many others in my predicament that have been forclosed on to cover up this gross misconduct. 

Wells Fargo Home Mortgage is denying my settlement because of my race XXXX. Also, I 'm a XXXX XXXX who is being financially exploited, also illegal. Wells Fargo Home Mortgage is trying to cover up thier hate for XXXX by foreclosing on my mortgage of fifteen years. The foreclosure is scheduled in two days Wednesday XX/XX/XXXX. 

Do n't let this happen in America in XXXX. 

ME TOO 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 09/16/2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: On numerous times, most recently XXXX XXXX, I contacted Portfolio Recovert Associates, XXXX. I asked to settle an account from XXXX. They said that the account had been charged off and forwarded to an attorney for a lawsuit and a settlement could not be reached. I became frustrated that the exact collector that was reporting to the credit bureau was not able to provide me any written agreement who to pay, name and address. They said it was transferred and no longer had the debt. I have also received documents stating that they were suing me. By this time, I became frustrated and hung up with the agent. That was it. Next thing you know, a few days later, I received a letter that my collection account had increased from {$940.00} to {$1200.00}. 
This amount had been the same amount {$940.00} for a few years already. Coincidentally, just because the rep and I did n't resolve my issue, they had the audacity to increase the debt by almost {$300.00} in just a matter of days. They have threatened to place a lien against my home. 
I feel like this is a fraudulent company who is trying to take advantage of me since I do n't know the laws in Texas. 
I would like to request that they remove this collection from my credit and to stop threatening to place a lien on my house. 

Thank you

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

Complaint: Equifax did not properly protect my day at and had a security breach where my information, including social security number, was disclosed without my consent. This resulted in improper disclosure of my credit reporting bureau information. 

I have contacted equifax but they do not have remediation or way to resolve this. They have offered free credit monitoring but this is insufficient recourse with risk of my identit being stolen and hardship with issues downstream

Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2017 about Student loan (Private student loan) with Navient Solutions, LLC. (GA).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: Multiple payments made over the last 5 years and applied to the wrong accounts. I have federal and private loans totaling XXXX. I would make payments for the amounts given for each individual loan, but they would apply the amount to the wrong account. This happened so often and for so long that I have had to push my loans into deferment multiple times stacking the debt over and over to the point that I can no longer afford the payments. After working with Navient over and over again, they still are applying the wrong amounts

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (WA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I applied for an income basedrepayment plan and was approved. I also had learned about the 10 year public service loan forgiveness program, or so I thought. I contacted Navient and spoke with a customer service representative who confirmed that my IBR plan qualified for the loan forgiveness. I continued making regular payments under my IBR plan for approximately 3.5 years before switching employers. Once I had switched employers I attempted to update my IBR payment plan information and again get confirmation on my forgiveness status. I contacted customer service again and was informed that my IBR plan alone did n't qualify me for loan forgiveness and that the 3.5 years of payments were not valid because I had not applied for a consolidation loan. Needless to say I was somewhat devastated when I realized that I had in effect wasted 3.5 years of time. I have since applied and been accepted for a consolidation loan and am under the belief that my current payments are counting towards the goal of XXXX after which I am qualified for loan forgiveness, but I still lost out of over 3 years. I do n't know if this is the type of situation which would qualify for the class action lawsuit but I thought it was worth asking. I thank you in advance for any assistance you can provide.

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I was in the process of being approved for an FHA loan to buy a house when someone stole my identity. I had been working on getting my credit in good standings for almost 2 years when this happened. My score dropped from a mid-high XXXX to a low-mid XXXX. I reported it to the credit bureaus, proved it was fraud, it was removed from my credit report but nothing was ever done to change my score back.

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 09-02-2016 about Credit card () with SYNCHRONY FINANCIAL (PA).
Issue: Billing disputes

Complaint: I booked a flight from XXXX to XXXX XXXX, then XXXX XXXX to XXXX and then from XXXX to a resort destination in the XXXX, all through XXXX XXXX. However, because XXXX XXXX is incompetent, my flight, XXXX, never left XXXX at its scheduled time. The flight was eventually cancelled and I was put on another flight eight hours later. This caused me to miss my two connecting flights, XXXX and XXXX. 
No fewer than four XXXX XXXX gate agents ( one in XXXX and XXXX in XXXX XXXX, where the flight had to make an emergency stop ), one customer service agent reached by telephone named " XXXX, '' and XXXX XXXX 's own public relations department, all promised me full refunds of my XXXX XXXX flight because I had missed connecting flights that I had to re-book myself at my own expense. Since I returned stateside, XXXX XXXX has refused to communicate with me about this issue and has in fact sent several demeaning and unprofessional e-mails to me. 

After filing a dispute with Synchrony Bank on XXXX XXXX, I did not hear back from them until XXXX XXXX, informing me that they are denying my dispute. Synchrony Bank had the audacity to claim that they sent multiple letter to me, when in fact they did not communicate with me at all between XXXX XXXX and XXXX XXXX. I then filed a complaint with the CFPB in late XXXX. I just found out that the CFPB for some unknown reason closed my file. I have not heard from Synchrony Bank since XXXX XXXX. I am re-filing this to obtain some sort of communication from the bank.

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 04/14/2015 about Consumer Loan (Installment loan) with Delbert Services (GA).
Issue: Problems when you are unable to pay

Complaint: Took out a loan with western sky for {$2500.00}, and immediately they turned it over to XXXX. Paid {$290.00} over 16 months ( {$4700.00} ). I realized I could no longer pay this ( behind on mortgage/utilies ) and that this extreme interest is illegal in my state ( Georgia ), requested they stop the ACH and we come to an agreement that they 've received their {$2500.00} already and then some. This was either XX/XX/XXXX or XX/XX/XXXX. They stopped the ACH debits, but are still trying to collect {$7000.00}. Do they have the right to collect?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-04-2016 about Debt collection (Auto) with CAPITAL ONE FINANCIAL CORPORATION (WI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I have paid off this debt. The vehicle was totaled in 2014. I have documentation that amount financed and I paid all owed. The company is trying to charge me additional money. The company is not taking off for the amount owed at the time car was totaled. They are asking for money that at time of accident but they want to get money that is nothe owed.

Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2017 about Credit card () with AMERICAN EXPRESS COMPANY (IL).
Issue: Rewards

Complaint: This complaints involves an offer to receive XXXX Delta reward points if I applied for the American Express credit card and spent {$1000.00} in 3 months. 

XX/XX/XXXX I applied for this promotion. The offer was if I spent {$1000.00} within 3 months, I would receive XXXX on my sky miles account. On XX/XX/XXXX, I was going to plan a trip using the XXXX sky miles that I expected to be available on my account. When I looked, the promotional offer was not applied to my account. I contacted American Express this morning and spent 33 minutes with a gentleman, who began to look into this matter. After 33 minutes of holding and not hearing anything more I hung up. I called right back and got a lady who gave me a complaint number of XXXX. She indicated that my inquiry would take 6-8 weeks to investigate. 

Please look into this for me. Since I met the requirements, It seems that the sky miles reward should have been applied in a timely manner as advertised. 
Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05/22/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (NY).
Issue: Application, originator, mortgage broker

Complaint: I have purchased my home back in XXXX XXXX with IndyMac mortgage. I received an unfair high interest rate that was adjustable .Due to the XXXX recession, I requested a loan modification which was declined.

Company response to consumer: Closed with explanation
Consumer complaint received 12-02-2017 about Payday loan, title loan, or personal loan (Payday loan) with Midwest Recovery Systems (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: A collection was added on my credit report from XXXX XXXX XXXX for a payday loan in the amount of {$820.00} from XX/XX/2013 that I did not borrow causing my credit score to go down. I dispute this with XXXX XXXX & XXXX but it is still on my credit report. I tried calling the company, it rings twice and then nothing, dead air.

Company response to consumer: Closed with explanation