milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/13/2016 about Student loan (Federal student loan servicing) with AES/PHEAA (MI).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: XXXX As in that case, there is no circumstance under which Defendant could legally report an obsolete debt to a credit reporting agency or make a positive report in the event of payment. The implication that Defendant could do so here is misleading on its face. '' The above recent court case XXXX XXXX 2016 serves as an addendum to my previous CFPB complaints ; my disputes directly with my servicer ; and through the DOE. As such, letters received after negative payment data was furnished to credit reporting agencies, suggested that the credit history could be fixed if delinquent student loans were brought current. First, that was not true. Second, I did what was required of me to stay current. Third, despite doing that ; they defaulted me and reported negative payment history inconsistent with my activity as if I did nothing. Due to the Government Shutdown, time was wasted, and ultimately my U. S. Senator and the DOE reviewed the issues being disputed. After all that, in full knowledge this servicer made a similar claim of credit repair U. S. Mail as a " carrot '' and redemption as a " stick. '' When I sought clarification about the credit repair they took a helpless position as in the past is not fixable. So that was false, in the sense that negative reporting can somehow magically be overcome with good reporting. Not only was the language in writing presented as clean slate but in my case there was nothing on my part to cause it. So this leaves the student debtor with a deliberately distorted credit report for no reason. The servicer has total control over furnishing truthful credit reporting. In view of the Government Shutdown, any accounting dispute that very month should be consider positive payment history. So this case addresses a number of issues. The one that applies to AES is credit repair-esque language. Though " settlement '' is not the precise word used, in the case of AES communication to me, the notion of future payments equating with credit reporting status is deceptive. One has nothing to do with the other. AES did this in XXXX different ways in XXXX different communications. Once clarified, default was no worse than the damage they already did with false negative reporting that they refused to fix. It was a Catch 22. No matter what I did, the past was etched in stone on up, to XXXX credit reports. The purpose of this complaint is to let AES know that mail fraud is different and beyond this case XXXX XXXX 2016 weblink ; but not mutually exclusive to its legal issue.

Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2016 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: In 2013, I settled a Capital One account with XXXX XXXX, I accepted and paid their settlement offer. Since settlement, XXXX XXXX has removed their entry from all XXXX of my credit reports and is no longer reporting debt. Capital One has also removed their account from my XXXX report but failed to remove it from XXXX and XXXX and has failed to update the balance. I would like the following : 1. Explanation as to why Capital One removed XXXX of XXXX reports and not all. 
2. What collection agencies have been assigned to the account. 
3. Proof the debt is still owed, including information from the assigned debt collectors. 

If Capital One can not provide me with the above mentioned information I ask that they delete their final XXXX entries from XXXX and XXXX. The debt collector is assigned by Capital One, it is Capital One 's duty to report accurate information. The assigned debt collector has removed their reports from my credit report and Capital One has removed this account from XXXX, they should finish by removing the other XXXX reports.

Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ).
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: I had a mortgage from XXXX originally. Then was bought by XXXX  XXXX XXXX after getting a modification and then making my payments on time for almost a year in 2012, Then after sending my payments still on time. XXXX XXXX XXXX then the mortgage was then bought by XXXX XXXX XXXX, Again all my payments were made on time. I have documents proofing this. I asked Transunion, XXXX   and XXXX  and sent the documents that I have from my XXXX XXXX account proving the dates of payments. I received a letter back from Transunion that they would not change the lates on my report from both XXXX  XXXX XXXX and XXXX XXXX XXXX. I have been working on this for three years to get this straight and my credit report accurate and have no late payments from either XXXX  XXXX XXXX or XXXX XXXX loans since 2012.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I did not authorize the following inquiries to my credit report. I have contact the Equifax, numerous times with no help. I explained I was a victim of fraud with my credit and tax returns. The inquiries as follows, XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: I submitted a compliant with the CFPB 60 days ago regarding an account that appeared on my credit report that listed an amount that I did not owe. ( XXXX XXXX ) According to CFPB XXXX XXXX submitted a dispute to the credit bureaus ; XXXX, XXXX and Transunion but I never heard any of you. I want my credit report updated and this account 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 09/17/2015 about Mortgage (Home equity loan or line of credit) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Ocwen Loan Servicing acting as the Servicer of this Mortgage has failed to meet all of its requirements under HBOR and is attempting to illegally foreclose on our personal home by selling it at auction on XXXX XXXX. The direct violation of HBOR law is based on Ocwen Loan Servicing improperly and unfairly reviewing our loan modification request for relief. We have submitted a complete loan modification direct via fax. Ocwen Loan Servicing illegally commenced and is conducting a foreclosure without attempting to find workout relief options for us. They have mishandled our documents and file several times and failed to properly communicate with us throughout the process. They simply wish to foreclose and kick us out onto the streets. They have clearly violated HBOR specifically under the " dual tracking '' clause. Ocwen Loan Servicing instructed and allowed the foreclosure trustee named XXXX XXXX XXXX to illegally start foreclosure on my property. The Ocwen Loan Servicing and know your options website gave the result that we are eligible for a Loan Modification with a lower payment to save our property. So there is no reason why Ocwen Loan Servicing should have denied our request or started foreclosure on our home.

Company response to consumer: Closed with explanation
Consumer complaint received 11-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: cybersecurity incident Equifax on XXXX XXXX, XXXX notice of data breach. I got letter XXXX XXXX. I used a mastercard to pay for a credit freeze service with Equifax, XXXX XXXX my name was accessed, along with my name, address, and the expiration date of the card used. before I got this letter, I had tried to make a purchase my card it was declained. I called credit card company I was told there was a breach and I would be sent and new card by mail.

Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2017 about Debt collection (Other debt) with First Advantage LNS Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This debt is not mine ; I had a lawyer involved with this years ago and the company agreed that I was not liable for this and it never went on my record until just recently. I was living with three other people who broke a lease ; not myself - and thus I was implicated in all of this. 

This needs to be removed immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2016 about Credit card () with AMERICAN EXPRESS COMPANY (MI).
Issue: Customer service / Customer relations

Complaint: I had a huge issue with American Express for my credit card when I requested to have my name revised and my address updated. 

1. I have not receive my new credit card as promised. 
2. I have not been reimbursed the expenses I incurred to verify my identity as I told. This is all recorded and I have submitted the invoice as well as the request of a credit for the harassment they incurred.

Company response to consumer: Closed with monetary relief
Consumer complaint received 05/25/2016 about Debt collection (I do not know) with AUTOMATED RECOVERY SYSTEMS, INC (NV).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX keeps threating harassing me for debt I do n't owe I have no relationship with them they please have them stop all collections asap

Company response to consumer: Untimely response
Consumer complaint received 10/13/2015 about Student loan (Non-federal student loan) with Dream Center Education Holdings (CO).
Issue: Getting a loan
Sub-issue: Qualify for a better loan than offered

Complaint: I attended The XXXX XXXX from XXXX. I was promised enough student loans to complete XXXX and the ability to transfer my credits if necessary. After using approximately {$40000.00} in loansI was informed that my program had been cancelled. Not wanting to enroll in any other programs offered I decided to transfer. To my dismay I discovered that only a few of my credits would transfer and I had to start over again. The federal government has sued XXXX, the parent company for just such fraudulent behavior. XXXX has instructed the school to return XXXX XXXX dollars to it 's students and XXXX has a class action suit in progress. Can you help me recover some of my losses?

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2016 about Credit reporting () with Experian Information Solutions Inc. (NC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have never had a XXXX account and it is showing up on my credit report. The credit card was opened because I was XXXX so I could not have opened a credit card.

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 10-07-2015 about Credit card () with CITIBANK, N.A. ().
Issue: Identity theft / Fraud / Embezzlement

Complaint: XX/XX/2015/XX/XX/2015, I received my Macys statement with a balance. I immediatelycontacted Macys to informed them that my card was fraudulently usedonline. The agent told no problem, she will put an investigation on card. 
I told her that I have never purchased from Macys online and I have thecard in my possession, none of my other credit card was compromised. 
I told the last time I used my card was approx. 1 year ago in XXXX. Theagent told me that not to worry about it. On XXXX XXXX, 2015, I receiveda letter ( see attached ) that my claim is not a fraud. I called Macys andagent told me that the investigation was completed. I informed her aboutthe letter, she told me to wait a few days. I asked her when and wherewas the online purchased ... she claimed co access to that information. Itold I live in XXXX and only use my XXXX card when I am in XXXX. Ihave contacted Macys call centre three ( 3 ) without any substanceanswer.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 02-05-2017 about Debt collection (I do not know) with Helvey & Associates (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This. company Helvey & Assc appears on my credit report for {$55.00}. This debt does not belong to me - I have been XXXX in XXXX for the past 8 years. I need this removed immediately. This has been illegally reported.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/30/2017 about Payday loan, title loan, or personal loan (Title loan) with TMX Finance LLC (TX).
Issue: Vehicle was repossessed or sold the vehicle

Complaint: On complaint XXXX I have received a letter from TitleMax stating they sold the vehicle and there was {$1600.00} SURPLUS and the letter states that a check is enclosed- there was no check enclosed, therefore I have n't received the surplus amount. 

I have called TitleMax on X/XX/2017 and they say they ca n't find me in their computer system and a manager will have to call me back. This is unacceptable. The letter clearly states at the bottom that a check is enclosed and yet no check was received and NOW they say they ca n't find me in the system.

Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2018 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint: I opened a checking account at Wells Fargo branch ( at the XXXX XXXX XXXX XXXX XXXX, CA XXXX ) with the offer code " XXXX '' which is a {$300.00} bonus offer for a opening a checking account. The Banker ( XXXX XXXX XXXX ) and the branch manager reviewed my Wells Fargo history relation and informed me that I am eligible to open the account with this promotion. 
Under the offer the account must receive a total direct deposit of {$1500.00} for 3 consecutive months. I met this requirement. 

The Banker and the branch manager informed me that I meet the Additionall requirements as follows : you can not be 1. A current owner on a Wells Fargo consumer checking account ( which I as not ). 
2. A Wells Fargo team member ( which I as not ). 

I met all of the requirements, and the {$300.00} bonus was needed to be deposited into my account on XX/XX/XXXX. 

Another requirement is that that you can only receive one consumer checking bonus in a 12 months period ( limit one bonus per customer ). 
I did received a promotional bonus on XX/XX/XXXX. The terms say " A recipient of a consumer checking bonus in the past 12 months. '' The bonus was supposed to be credited into my account on XX/XX/XXXX, which is more then 12 months from the previous one that I received on XX/XX/XXXX. 

The terms and conditions are very clear and they are not ambiguous. Based on the clear terms and conditions the Bank is legally required to pay me the {$300.00} bonus. 

Furthermore, the Banker and the Branch Manager, at the time of account opening, reviewed my profile and bank history with Wells Fargo, and they saw in the system that I received a bonus in the past, on XX/XX/XXXX. They read the terms and the condition and told me that I am eligibility for this offer. Therefore, they opened my account and applied the promo code " XXXX '' into the system. If this was not the case, they needed to informed me than and then that I am not eligible to this offer. Furthermore, they will not opened the account and applying the promo code into the system.

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 04/25/2016 about Credit card () with SYNCHRONY FINANCIAL (IL).
Issue: Other

Complaint: ON XXXX/XXXX/16, I ATTEMPTED TO USE THE ONLINE SERVICES OF SYNCHRONY BANK, TO REQUEST A CREDIT LIMIT INCREASE FOR MY WALMART CREDIT CARD ACCOUNT. THE FIRST STEP OF THE ONLINE PROCESS REQUIRED THE CREDIT CARD HOLDER ( MYSELF ) TO INPUT PERSONAL INFORMATION FOR VERIFICATION PURPOSES, INCLUDING INCOME. THEN, THE CARD HOLDER IS PROMPTED TO PRESS THE NEXT TAB BUTTON TO PROCEED TO NEXT SCREEN. IN DOING SO, THE ONLINE SERVICE IMMEDIATELY PROCESSES THE APPLICATION. THE ONLINE SERVICE DID NOT PROVIDE ANY MEANS FOR MYSELF TO CONSENT, CONFIRM, OR AUTHORIZE A CREDIT INQUIRY NOR REVIEW TERMS OF AGREEMENT UPON REQUESTING A CREDIT LIMIT INCREASE. I DID NOT HAVE AN OPPORTUNITY TO OPT OUT OF MY REQUEST AT ANY TIME DURING THE PROCESS. THE ONLINE SERVICE HAS ONE INITIAL STEP, THEN ONCE YOU PRESS THE NEXT BUTTON TO TAB TO NEXT SCREEN IT PROCESSES APPLICATION. I WAS UNAWARE THAT I WAS AT THE FINAL STAGE OR STEP OF THE CREDIT LIMIT REQUEST PROCESS. I BELIEVED THAT ONCE I CHOSE NEXT I WOULD BE DIRECTED TO ANOTHER STEP WITHIN THE PROCESS. THE ONLINE PROCESS DID NOT INDICATE OR DISCLOSE THAT I AM CONSENTING TO A HARD INQUIRY. THERE SHOULD BE A FINAL CONFIRMATION STEP TO ENSURE THE CARD HOLDER WOULD HAVE AN OPPORTUNITY TO CHANGE THEIR MIND. THE ONLINE SERVICE PROVIDED A MESSAGE, WHICH READ " UNABLE TO PROCESS A CREDIT LIMIT INCREASE VIA ONLINE '', SO I ASSUMED THE CREDIT LIMIT REQUEST WAS NULLIFIED OR CANCELLED UNTIL I RECIEVED A LETTER FROM SYNCHRONY BANK INDICATING " MY CREDIT LINE INCREASE WAS RECEIVED AND DENIED ''. I AM NOT REFUTING THE DENIAL, ONLY THE CREDIT INQUIRY ON MY XXXX REPORT, WHICH I DID NOT CONSENT TO BY WAY OF CHECK MARK, INITIALS, OR ANY OTHER METHOD.

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 Credit card () with JPMORGAN CHASE & CO. (TX).
Issue: Credit card protection / Debt protection

Complaint: The company XXXX wanted to hire me to purchase products for their XXXX business partners. This company starts by paying off your credit card balance so you can purchase the products for them in the amount of your credit card balance. XXXX does not ask for your credit card number, they give you a bank routing & account number for you to make the payment on line or by phone. The payment processes and shows posted 3 days later. Then you are asked to make the first purchase which are gift cards. After XXXX received the gift cards information I find out the credit card payment of {$5800.00} was reversed and now my balance is double. Chase card stated XXXX was not authorized for them to use the bank account info they gave me for payment. Before I made any purchases I called Chase Card Services on XX/XX/XXXX to verify the posted payment and I asked them if the payment could be reversed. The person I spoke with stated to me the payment could not be reversed after its been posted. I made sure the service rep. I spoke to typed in our conversation on that day & the notes are in the system. If I would have been told that this payment could in fact be reversed I would have never made the gift card purchases. I was given misleading wrong information, I feel Chase Card Services could have helped me avoid this scam / fraud situation. Additionally I was not informed about this large payment reversal. I would think someone should have taken some security in my account for my protection. I 've been a card member since 1999 and Chase decided to close my account because of this situation. I have emails, name & phone number for this XXXX company.

Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2015 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (NC).
Issue: Loan servicing, payments, escrow account

Complaint: XXXX XXXX XXXX sold my loan to Nationstar Mortage LLC. It is almost impossible to deal with this company and took pulling teeth to finally find out how to pay my mortgage. Now I receive a letter from my insurance company ( XXXX ) that even though I am paying my mortgage that XXXX is not receiving mortgage insurance premiums. I am paying for insurance with XXXX but XXXX is keeping the money and not paying my insurance company.

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: On XX/XX/XXXX, I posted a add on XXXX to sell my vehicle that I could no longer afford for the amount owed on the loan for 30,000 approximately. I received a on response from a gentleman on XX/XX/XXXX who said that he would pay off the loan. He did with his personal bank account through my online payment center and when the title was received to gave to it and well as the vehicle. All the payments were received by XX/XX/XXXX. I received documentation that my loan was paid in full first on XX/XX/XXXX and as the title which has the released date of XX/XX/XXXX as well two weeks after. Then a month after the vehicle was gone and sold, Wells Fargo Dealer services sends me letters that all the funds were returned and they need the title back. The vehicle also needed to be in my possession as well. At this point, both of them had been taken from my possession. I went through quite an ordeal with the bank to get this issue resolved cordially but did not happen. Wells Fargo Dealer Services believes I still owe my loan which I don't believe is accurate. 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