milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/16/2015 about Consumer Loan (Pawn loan) with CASH AMERICA INTERNATIONAL, INC. (TN).
Issue: Lender sold the property

Complaint: This formal complaint is due to a various trend of data breech issues that includes myself personally and other customers of Cash America. Cash America has failed to protect the privacy of their consumer 's personal data by neglecting to remove pertinent information from electronic devices in their care and by not doing so they have put me and the entire general public who conduct business with them at risk of identity theft and ongoing data breeches in more than several areas. This currently include but are not limited to SSN, birth-dates, personal emails, credit card information, computer login passwords, traceable cookies on all electronic, devices, banking information, direct access, to personal application such as XXXX and XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (SC).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: i HAVE 5 DIFFERENT STATE TAX LIENS ON MY CREDIT REPORT I CONTACTED MY COUNTY TAX OFFICE ; CLERK OF COURT AND IMMEDIATELY GOT A SATISFACTION OF THE 5 TAX LIENS UNDER MY NAME. I CONTACTED THE SC DEPT OF REVENUE WHO SAID IT WAS NOT TO BE ON MY CREDIT AND SENT ME LIEN SATISFACTION AND LETTERS TO THE THREE CREDIT AGENCIES. THIS HAS BEEN SIX MONTHS AGO AND ITS STILL THERE. ALSO I HAVE A DENTAL BILL FOR OVER XXXX ON MY CREDIT THAT IS NOT MINE. HELP ME.MY CREDIT IS HORRIBLE

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 03/17/2016 about Credit card () with AMERICAN EXPRESS COMPANY (NY).
Issue: Other

Complaint: I purchased a {$75.00} Amex prepaid gift card as a gift for my son. When my son tried to use the card he was told by the cashier that the gift card was never activated when purchased. I have been in contact with Amex numerous times to resolve the situation. Each time I have been in contact with Amex they have thwarted my efforts to recoup the money. I sent Amex clear photocopies of the gift card and receipts. They even ask me to send them a copy of the store journal which I went to the store and they had to contact their corporate headquarters. I followed up by fax and mail ( certified ) with very clear color copies only to be informed again that the documentation was illegible. Amex is giving me the BIG RUNAROUND after attempting to recoup my money. I have reviewed these gift cards only to realize that many people have the same problem. Please help. I have exhausted my options with Amex. I have documentation to send if you would like to review. Thank You ... ..

Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I am the author and owner of all communications within this complaint. I do not agree to allow this complaint to be managed outside of the portal. 

My Credit report currently has " XXXX '' reporting inaccurately, and in an incorrect manner. 

I dispute the validity of this account/Tradeline. 

1. The " Type of Account '' says NA, and should be " Revolving/Option '' 2. There is no Payment History in this account - and there should be as this account was opened for over 13 years 3. There is no Balance History in this account - and there should be as this account was opened for over 13 years 4. Because this account has no Payment History, please verify its Status/Major Delinquency date 5. Because this account has no Balance History, please verify its Status/Major Delinquency date 6. This account has no Activity Designator, and should as this account is Closed 7. FCRA states that this account must have a balance of XXXX, and this field is blank, please correct this information. There are no Terms in this account, and it was Monthly - please correct this information. 

Please validate this Tradeline, and resolve the errors - or Delete this account. 

Please provide a printed report, when resolved.

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 09-01-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (MI).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: On XXXX XXXX, 2017 I applied for a credit increase for my credit card with Capital One ending in XXXX. I was denied the credit increase with Capital One on the basis that they stated that my payment was returned. I fixed the problem immediately because I hold my credit to be a high priority. I then was told by the representative that I could apply for another card. I really did not want another credit card because the card ending in XXXX has a limit of {$2700.00}. I just wanted a {$300.00} increase. I then applied for the card and was approved for {$3000.00} the card ends in XXXX. 

I think that it is particularly strange that I just wanted a small increase from a card company whom I have had an account with for the past 7 years. I then have to apply for another card in which I am approved. My credit score goes down and I have more debt with the company. The combined total of both the cards are {$5700.00}. The interest rate is also higher than my first credit card which has an APR of 29.99 % I think that Capital One deliberately gave me the card in order for me to have more debt. This card is 10x more than what I asked for. I have a good payment history with Capital One and now I am responsible for more debt than I should have! I spoke with XXXX XXXX with the extension of XXXX only once. She said that should would call me back but she only emailed me once and called and left a message. Every time I tried to call her I received no answer!! Capital One states in their letter by XXXX XXXX that they reviewed my account and unfortunately, its not eligible for a lower APR or lower fees at this time. I really did not want the second card or burden. I feel I have been scammed by Capital One and they have not offered viable solutions to my dilemma!!!

Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with SELECT PORTFOLIO SERVICING, INC. (FL).
Issue: Settlement process and costs

Complaint: My property was sold on XXXXXXXX2015 after 120 days sending documents to SPS servicer train to qualify for a lone modification., at the same time the bank, SPS servicer continue with the Foreclosure presiding 's, ( Dual Tracking ) at the foreclosure the SPS did not claim as Defendant my wife in the complaint and did not server any liss pendis documents to her, violation of state constitutional law .Art X, & XXXX, Fla.Const ; XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX ). the y have violated her rights to due proses and have violate her XXXX amendment constitutional right., I have file in civil court a Objection to sale, and to the bank SPS servicer a Appeal under the settlement agreement

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-01-2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (WA).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I was enrolled in XXXX XXXX for the XXXX semester of 2015. I was found ineligible for the XXXX and financial aid was declined so I had to drop out of my classes and leave school. I am now being told that the loan was paid and I owe the money. My transcripts will prove I did not attend school during this time and I would like to see what recourse I can take against XXXX XXXX because since they have reported me as being delinquent I my credit score has began to decline and It has lessened my financial capabilities.

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 07/28/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Re : XXXX XXXX XXXX - Case # XXXX This has been paid and fully satisfied on XXXX XXXX, 2014 and recorded at XXXX County on XXXX XXXX, 2014. Please update my account as this is impacting negatively on my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MN).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Through the 2017 security breach, some amount of my personal information was released without my consent. Because equifax has all my credit-related information, this is valuable information to identify thieves. Use of this information by thieves would be a significant financial burden and inconvenience that could lead to lost time, money, and credit standing. 

I believe equifax took too long in informing the public of the breach which increases the likelihood of the stolen information spreading to thieves.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have a hard inquiry from XXXX I believe it 's XXXX I have never applied for XXXX or gave them any info of mine. I called XXXX and they have no records of me having an account.

Company response to consumer: Closed with explanation
Consumer complaint received 01/15/2017 about Credit reporting () with EQUIFAX, INC. (OR).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: Equifax has denied my federal mandated free consumer annual credit report. Please take a look at exhibit XXXX in the uploads.

Company response to consumer: Closed with explanation
Consumer complaint received 12-11-2016 about Credit reporting () with Experian Information Solutions Inc. (CO).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: FIRST OFF THIS COMPLAINT DOES NOT CONSTITUTE ANY ID THEFT SO EXPERIAN IS NOT TO PUT ANY KIND OF FREEZES ON MY REPORT. EVERY TIME I ASK THEM TO REMOVE AN INQUIRY THAT DID NOT HAVE A PERMISSIBLE PURPOSE THEY WANT TO SAY I ASKED THEM TO PUT A FREEZE ON MY REPORT AND THAT IS NOT WHAT I AM ASKING THEM TO DO. THEY HAVE A BUNCH OF INQUIRIES ON MY ACCOUNT THAT DO NOT HAVE A PERMISSIBLE PURPOSE AND I AM ASKING THAT THEY TAKE THEM OFF AND THEY WILL NOT. THE FOLLOWING INQUIRIES ARE TO BE REMOVED AS THEY DO NOT HAVE ANY PERMISSIBLE PURPOSE AND EXPERIAN KNOWS THIS. 

1. XXXX ON XXXX XXXX XXXX : REASON UNSPECIFIED 2. XXXX XXXX XXXX XXXX XXXX XXXX : REASON UNSPECIFIED 3. XXXX XXXX XX/XX/XXXX : REASON UNSPECIFIED 4. XXXX XXXX XXXX XXXX XXXX : REASON UNSPECIFIED 5. XXXX XXXX XXXX XXXX : REASON UNSPECIFIED 6. XXXX XXXX XXXX. XXXX XXXX XXXX : REASON UNSPECIFIED 7. XXXX XXXX XXXX XXXX XXXX XXXX : REASON UNSPECIFIED 8. XXXX XXXX XXXX XXXX XXXX XXXX : REASON UNSPECIFIED 9. XXXX XXXX XXXX XXXX XXXX XXXX : REASON UNSPECIFIED 10. XXXX XXXX XXXX XXXX : REASON UNSPECIFIED Experian has been notified in writing on XXXX separate occasions about these being removed. Instead of removing them they just say that i requested a security freeze on my account or that i alerted them of ID Theft and that is NOT THE CASE and They are not to put any kind of freezes on my account. I am filing this complaint here because I want a record that I am not asking them to put a freeze on my account but I am asking them to remove the above inquiries because they did not have any permissible purpose as I was never offered nor extended any credit with those companies. On my credit report Experian specifically says we offer credit information about you to those that have a permissible purpose such as preapproved credit, employment, investor potentials, experian consumer assistance, mortgage completion or insurance underwriting. According to my records and research none of the above listed XXXX items meet any of these criteria and I am asking that Experian remove them immediately from my file and DO NOT PUT any freezes on my account as I am NOT asking you to do that and then immediately send me a new updated copy of my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2017 about Mortgage (Conventional home mortgage) with FIFTH THIRD FINANCIAL CORPORATION (TN).
Issue: Trouble during payment process

Complaint: My home was in default XX/XX/XXXX, so I paid the XXXX to bring it current and received a letter stating that the payments had posted ( the letter date was XX/XX/XXXX ). I made another payment for XX/XX/XXXX at the bank. They accepted the payment. I missed a payment in XX/XX/XXXX ( that following month ). This is XX/XX/XXXX. Yesterday I checked the mail and found that 5th 3rd had sent my XX/XX/XXXX payment back to me. I called the bank and spoke to the default department for about twenty minutes. I was informed that my house will go into foreclosure any day now. I asked why did n't they apply my XX/XX/XXXX payment, I was told because I missed XX/XX/XXXX. Now they are saying I 'm in default and they will not take a payment unless it 's XXXX to be exact. Because they did n't apply my XX/XX/XXXX payment when I brought it to them, it put me in default and although I have money for another payment ( my mortgage is XXXX per month ), they will not accept it. Had they accepted my XX/XX/XXXX payment, I would n't be in this predicament. My house is valued at XXXX. I owe the bank XXXX. If they foreclose on my house, they 'll keep XXXX plus in equity AND resale it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-07-2016 about Debt collection (Non-federal student loan) with AES/PHEAA (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: In XXXX my bankruptcy was finalized through a federal court action. My student loans were private in nature, not guaranteed by the United States Department of Education. There is over {$1.00} XXXX in student loan debts that are guaranteed by the United States Department of Education, and by federal mandate these debts are not dischargeable by a personal bankruptcy. However, all privatized student loans can not be enforced without a direct state court action of my domicile. In the case of my original student loans, they were procured by XXXX, sold off into a securitized trust, and eventually they sold off the servicing of these loans to at least two collection agencies, disguised as servicers of federal guaranteed loans. My bankruptcy filing is 100 % legitimate, and the fact that there was no dispute presented on the filing is proof enough that the only action that could have been taken was by an action for summary judgment. The student loans discharged were against the current servicer at the time of filing in XXXX, that being XXXX XXXX XXXX, and since the discharged the loans were picked up for servicing by American Education Services. The latest collection agency is a private collection agency that must have federal oversight through the Federal Trade Commission. The current actions by the latest agency has done damage to my personal credit, even though they have no right to collect on a debt that was discharged by an action I took within a federal court. The current agency is nothing more than a subsidiary of XXXX XXXX XXXX, a scam practice whereas my rights can continue to be violated. Bankruptcy is protected by the United States Constitution, where every American citizen has a right to claim insolvency. My rights under the Fair Credit Reporting ct and the Fair and Accurate Credit Transactions Act are being violated. This collection practice must cease permanently, and any or all references to this past debt must be deleted from my pertinent credit reports immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 03/13/2018 about Checking or savings account (Other banking product or service) with WELLS FARGO & COMPANY (MN).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: A letter dated XX/XX/2018 was sent to me telling me that all my accounts are being closed on XX/XX/XXXX for a " business decision '', after 7 years of banking with them and having 0 problems! 
I've tried calling them and they told me that corporate will call me back, but never heard back from them. 
They closed my credit card account without any heads up notice, didn't even send a card advising that it's about to be closed. I just found out about that today when I went to the bank to ask for a reason. 
I've had automatic payments that didn't go through because of this, and it's turning my life upside down in a matter of days. 
I think that the minimum I deserve is a reason as of why my account is being closed and not just " business decision ''. 

Thanks

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 05/21/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with WELLS FARGO & COMPANY (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I went to Wells Fargo to refinance my debts because I had lost my job and my income had substantially decreased. Instead of consolidating my debts they convinced to take out a new credit card. They told me to put down my previous income ( I was unemployed ) and the loan officer said " Because your probably going to find a job soon ''. My debt continued to get worse and worse and then they gave my son a credit card saying I could use that too. All together I think I had 6 Wells  Fargo bank accounts and three credit cards. When my debt finally got to be more than I could handle, I could no longer pay. Then Wells Fargo sued me in court. I could n't afford an attorney so I attempted to represent myself. Now my credit is destroyed and I 'm starting all over again. <P/>I wish they had just helped me refinance my debt.

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 Credit card () with CITIBANK, N.A. (NY).
Issue: Identity theft / Fraud / Embezzlement

Complaint: On XXXX XXXX of 2016, my husband and I went to Sears to purchase patio furniture set. When we went to the checkout they said we could open a Sears MasterCard with no interest up to a year. They took my driver 's license and asked for my contact information, my mailing address and seemed to input it into the computer system. We received the patio furniture and waited for the card and the card never arrived. When I was speaking with my family hmy brother said he had received a Sears card at my permanent address my parents ' house. He said he called and told him he never opened a card and there was nothing they could do and there was a charge of the patio furniture that we had purchased. He destroyed the card and gave the mail out information for my parents to send to me. I called the activation number for the card and I spoke with a Sears customer service representative for the card she initially asked for my brothers social security number which I do not have and thought that was strange and inappropriate because that is highly sensitive information. Then she asked for my social security number which she said she needed and I gave it to her over the phone. She then asked to put me on a brief hold to try and resolve the matter. When she came back she stated they needed a physical copy of the social security card and wanted it faxed to them. I told her that 's highly sensitive and I am not going to send that through a fax that is not protected. So she said there was nothing they could do on the mix up of the account because I was not willing to do that. I asked to speak with someone else and she said no one was available. She said they would contact me in several days but no one did. I filed a report with the federal trade commission. At that time, XXXX XXXX from Sears Credit Card assured me she had closed the account and all we had to do was pay the balance but even though they cashed our check and had the gall to charge a late fee on an allegedly closed account! She lied about the account being closed and about any late fees, and Sears lied about the account being interest free because they instantly penalizdd us for not paying on time even though the account was n't opened appropriately and even though XXXX assured us that is would not be an issue.

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 06/27/2017 about Student loan (Private student loan) with SLM CORPORATION (PA).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: I am a single parent and co-signed my daughters loan in 2010 with Sallie Mae. Her father co-signed subsequent loans. I just discovered this year that my interest rate is well over 11 % while her fathers is in the 8 range. We have similar credit histories and salaries. I feel as though I was discriminated against.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation