milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/28/2017 about Student loan (Federal student loan servicing) with NELNET, INC. (MS).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: Attempt to resolve with Nelnet ( " NN '' ) unsuccessful. All dates in XX/XX/2017. Complaint pertains to all NN-serviced loans. I retain complete audio recordings of calls with NN on XX/XX/XXXX ( " XX/XX/XXXX calls '' ) and on XX/XX/XXXX ( " XX/XX/XXXX calls '' ). I retain copies of all apps submitted to NN on XX/XX/XXXX ( " XX/XX/XXXXREPAYE, '' " XX/XX/XXXXPAYE '' ), emails submitting such apps ( " REPAYE Email, '' " PAYE Email '' ), and emails from NN to me on XX/XX/XXXX ( " XX/XX/XXXX emails '' ). There are 8 SEPARATE complaints which I request be addressed SEPARATELY. All sentences below are followed by citation of supporting evidence. 

1 ) NN canceled XX/XX/XXXXPAYE without authorization. XX/XX/XXXX calls ( NN admits ). On XX/XX/XXXX, clearly and explicitly, I requested verbally and in writing that REPAYE app be canceled but subsequent PAYE app be processed. XX/XX/XXXX calls ; XX/XX/XXXXPAYE ; PAYE Email. NN stated this would occur as requested. XX/XX/XXXX calls. Cancelation occurred ON XXXX XXXX with no attempt to notify me until my XX/XX/XXXX call requesting app status. XX/XX/XXXX calls ( NN admits ). 

2 ) NN refused to process XX/XX/XXXXPAYE. XX/XX/XXXX calls ( NN admits ). 

3 ) NN failed to place me into ANY IDR after XX/XX/XXXXPAYE. XX/XX/XXXX calls ( NN admits ). 

4 ) NN declines to offer adjustment for time between XX/XX/XXXX and XX/XX/XXXX ( " Lost Time '' ). XX/XX/XXXX calls. 

5 ) NN refuses to place me into PAYE, citing inaccurate Dep't of Edu. rule. XX/XX/XXXX calls ; XX/XX/XXXX emails. 

6 ) NN stated to me that I am eligible for PAYE. XX/XX/XXXX calls. 

7 ) NN claims it can not review XX/XX/XXXX calls. XX/XX/XXXX calls. 

8 ) NN hangs up on me and promises follow-up communication that does not occur. XX/XX/XXXX calls ; XX/XX/XXXX emails. 

I may apply for non-PAYE IDR to the extent NN refuses to place me into PAYE. I continue to demand placement into PAYE through processing of XX/XX/XXXXPAYE, even if placed into non-PAYE IDR through app for such made after this complaint form is submitted. I demand adjustment for Lost Time.

Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: a collection agency by the name of " XXXX '' continues to place a XXXX balance on my credit report for an account that DOES NOT belong to me. I have spoke with them directly as well as XXXX and explained that I was a victim of identity theft, which was documented on my credit report and my credit was even " frozen '' at one point while this was sorted out. Unfortunately they continue to report this and is now showing up as being in collection status, which I now need assistance in having it permanently 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 08-11-2017 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: Was not notified of investigation status or results

Complaint: On XXXX XXXX,2017 I sent a request for Investigation of  unauthorized inquiries letter to Transunion. I advised that I did not authorize my credit to be pulled and reviewed for any reason. I did not hear back from Transunion in regards to the matter so I sent another letter certified mail which was stamped by Transunion received on X/XX/2017. Instead of the investigation results I received a letter explaining me the difference between hard and soft inquiries. There was no validation or result of the investigation I requested now twice. So again I sent another letter certified mail that they stamped received on X/X/2017. I 've made numerous attempts to contact the company. Today X/XX/2017 I called and spoke to a rep and inquired about the unauthorized inquiries and why an investigation was n't conducted and was advised they are paid by the companies that they are investigating and they pretty much take the fact it was reported as verification. This to me is extremely wrong and against my rights pertaining to the FCRA section 604. Simply not responding is not a solution.

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 06/14/2016 about Credit card () with AMERICAN EXPRESS COMPANY (CA).
Issue: Customer service / Customer relations

Complaint: I am writing this email as I have no other recourse. American Express does n't have a complaint department ( at least that 's what I was told on the telephone ) and their website does n't include an email address. Over the past two days I 've been so frustrated with American Express customer service representatives. It is clear that their customer service department is outsourced. That is not an indictment upon the nationality of the representative, rather an indication of representatives who do n't care about American Express customers. Upon being provided a pin number to obtain a cash advance, as I was in an emergency, I found that my card did not work. I tried more than XXXX ATMs and spoke to more than eight representatives with American Express. The answer I got from each representative was, " I 'm sorry but I ca n't help you. '' Since when did I 'm sorry I ca n't help you become a satisfactory answer for a customer service representative to provide a long-time customer who is in an emergency? On two occasions the representatives took steps to try and provide further assistance, but ultimately resulted in blind transferring me to another department who similarly was unable to help. I spoke to supervisors and all we 're happy to state that they were unable to help me. Why should I continue to do business with a company who care so little about their customers that they hire customer service representatives who ca n't fix problems and frankly do n't care to do so? 

Perplexed and perturbed ....

Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2015 about Money transfers (International money transfer) with WESTERN UNION COMPANY, THE (FL).
Issue: Other transaction issues

Complaint: Use the western union services fairly often for small transfer. Cancelled a transfer ( {$260.00} plus {$6.00} fee ) within five minutes or less on XXXX XXXX, 2015. Was told money would be credited back to my XXXX XXXX within 5 days. On XXXX XXXX called regarding credit to XXXX and when they said nothing had been credited I called WU. They told me it was still being processed. XXXX told me best to file disputed. On XXXX XXXX called WU again because I was no longer able to wire transfer online but given message to go to agent. Since I live XXXX miles from nearest agent and probably sent XXXX previous online transfer that is totally unacceptable. Called yesterday and they said everything would be taken care of immediately and no reason I could n't use online services. 
Tried again to go online and WU has poor timing in sending me a customer survey. 
Here is what I summarized ; Called regarding my refund status on cancelled transfer from28 days ago. Was told it would be refunded that same day yesterday but XXXX has not received any notice. In addition I asked why I could not send online transfer anymore and yd to go to agent. They said there is no problem but 24 hours later XXXX XXXX has received nothing and I am still unable to do wire transfers. Seems like retaliation for my complaint. 

Thanks, XXXXSent from my iPhoneSent from my iPhone

Company response to consumer: Closed with explanation
Consumer complaint received 12-02-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint: Hi applied for credit card line increase on XXXX XXXX. XXXX and few days.. on XXXX the XXXX was denied for credit line increase due to one payment was returned from my bank account XXXX XXXX XXXX XXXX XXXX in the amount of XXXX i called Capitol one and ask them to removed this bank account information around the first week of XXXX and i use another bank information ( XXXX XXXX ) to make the payment again and it went through with no errors and i continue to make my payments in the month of XXXX XXXX and XXXX and finally XXXX XXXX with no payments returned or errors i called capitol one today on XXXX XXXX, XXXX central time around XXXX and i spoke to the supervisor and he told me he does n't have control of the credit line increase and i have to reapply anytime or wait 3-6 months and i asked him can i talk to credit dept or any dept that handles credit he told me that capitol one does n't have a credit dept or a complaint dept and was rude to me and refused to help me i have been making my monthly payments on time with no error and i can hear the supervisor on the background saying negative things about me and forgot to put me on hold i want to filed a possible discrimination against this company and i would like a credit line increased

Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2017 about Debt collection (Medical debt) with CMRE Financial Services, Inc. (AK).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: CMRE Financial Services was reported to my credit in XXXX of XXXX. I have never received a letter or notice that this debt existed giving me the opportunity to dispute it before it was reported on my credit. I have not been in a hospital in years. It also appears that this {$59.00} debt is for a hospital in California.I live in Alaska and could not have incurred this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (IL).
Issue: Deposits and withdrawals

Complaint: I had made online purchases via my bank account. When XX/XX/2015 came I check my account to see what cleared and what did not, everything was shown as payed nothing was shown as pending and there was {$1.00} left in the account. On XX/XX/2015 the account once again was looked at there was now {$70.00} in the account with all the same transactions showing as paid its was there was another purchase made that left the account at {$34.00} but on XX/XX/2015 still showing all as paid. Then on XX/XX/2015 my account had to {$34.00} over draft fees and said a previous XXXX purchase of {$68.00} was not paid even though on XX/XX/XXXX XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX and XX/XX/XXXX it never said this was still pending it showed as paid I even counted the money up myself and it showed everything as paid. When I call chase on XXXX XXXX they tried to say the merchant never took the money out the account until the XX/XX/2015 but this was not reflected in my account that day or any day befor that. They refused to reverse and take responsibility for the failure to show items as pending. I as to speak with a supervisor or someone over the supervisor I was speaking to and told that some one would call in XXXX hr. As of XX/XX/2015 no one had called and I called chase at XXXX where the female representative did not give her name but sad chase does not have to inform me of transactions that are pending still refusing to correct there mistake

Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2016 about Debt collection (Medical) with Credit Bureau of Bessemer, Inc (AL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: The debts incurred during a hospital stay have been granted financial assistance from the hospital however Credit Bureau of Bessemer, a local collection company in Alabama, refuses to close the account. I have called, email, and even disputed through the credit bureau.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: On  X/XX/17   , I requested  XXXX   & E quifax to validated accounts on my credit report and received response on  XX/XX/2017    from  XXXX  and on  XX/XX/2017    from Equifax that accounts where verified but was not provided any documentation as to how these accounts where verified.     Also  XXXX   XX/XX/2017    report - on  X/XX/17    I requested that the status be updated on all of my student loans including late payments because my account was in forbearance and dates where not accurate. There is also duplications of my student loans on my report and they have refused to address that issue. I have attached a copy pf my letter that was sent to them

Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2017 about Mortgage (Conventional fixed mortgage) with LoanCare, LLC (UT).
Issue: Credit decision / Underwriting

Complaint: Hi - I need help with loadcare. They are charging me late fees when late fees should n't be applied and can not help with this issue via phone support. They 've told me several times that I have to go through their email services, which I have for the last four months and the emails go un-responded to. The good thing is they send you an email which shows that the email has been received and sent. 

What are my options? 
Link : XXXX : XXXX XXXX XXXX. XXXX XXXX XXXX Loan number : XXXX I need all late fees, that should n't have late fees applied back to my account. 

Thanks 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 11/13/2017 about Vehicle loan or lease (Lease) with LOBEL FINANCIAL CORPORATION (CA).
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint: I got a car from XXXX XXXX, XXXX, XXXX on XXXX XXXX, XXXX and it was from Lobel Financial. I recently read reviews from Lobel Financial and I see I am not the only one going through this. My credit reports from all credit bureaus say I have a numerous amount of late payments. I actually did n't have that many late payments and the last payment I made was a payment arrangement, they said I am safe if I made the payment by the XXXX of every month but I still called because all previous payments were always made by the XXXX of every month. The worker said I would be fine because there is a grace period till the XXXX of every month. The night before my payment arrangement my car was repossessed. I was able to get my belongings out for {$80.00} but they would n't let me take my speakers or anything and the price to pull the vehicle out was ridiculous. They sold the vehicle and still demanded full payment of the whole price of the car which was XXXX XXXX something and now they was {$5200.00} in fees. I called and told them that was unreasonable because they sold the vehicle and I can not pay for a vehicle in full that I was not going to get back. They took me to court and garnished my wages of {$400.00} every paycheck! I went to court and fought it and the judged ordered them to stop all payments, refund my garnished wages and to drop the case and amount. This company then reopened it on my credit as a charge off in XXXX XXXX when this hit my credit and was repossessed in XXXX XXXX. I contacted them to remove it and update it and they refuse because I did n't payoff the vehicle they already sold.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: My loan was sold XXXX 2017 from XXXX XXXX XXXX to Navient. At that time, my loan payment increased from {$150.00} a month to now {$250.00}. I 'm struggling with the increase in monthly payments as I have a wife that can not work due her illness of XXXX XXXX. I 'm XXXX years old now  and I 'm trying to save money for my retirement and at this rate, this will still paying my student loan in my retirement years.

Company response to consumer: Closed with explanation
Consumer complaint received 09-04-2016 about Credit reporting () with Experian Information Solutions Inc. (NV).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am filing this complaint because XXXX, Experian and XXXX has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of FCRA - they are required to promptly delete all information which can not be verified that I have disputed. Please resolve this matter as soon as possible. 
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 non-monetary relief
Consumer complaint received 09-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WA).
Issue: Problem with fraud alerts or security freezes

Complaint: To whom it may concern. 
We just learned that Equifax was hacked and over XXXX XXXX consumers personal information was breached. After reading up on the issue and deciding to put a credit freeze on our SS XXXX we went to the company 's website to realize that they wont allow people to put a freeze up online. Instead you have to write a letter and request a freeze by mail which can take up to XXXX days. That is outrageous and almost unbelievable how our government allows this company 's to garner all our information in the first place and allow lobbying to get away without punishment. This company should be prohibited to do any business in our country and be shut down. Furthermore, Equifax should be held responsible and pay for all damages incurred.I hope that someone in our government has the guts to address this problem and do what is right by the XXXX XXXX. 

Regards XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2016 about Student loan (Non-federal student loan) with WELLS FARGO & COMPANY (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I have been paying back my Wells Fargo student loans since XXXX. When my parents who had consigned the loans filed for bankruptcy they excluded the student loans. I have paid on time. Also over the amount due when I can. They stopped sending paper statements after the bankruptcy started and stated I could still access my account online. For the past several years that has not been a problem until XXXX of XXXX. They then stopped allowing account information to be viewed online due to a new policy. The account is not in default. When talking to multiple people no one could tell me about this new policy and could not give access to the account. I now have to make phone payments and can not receive any statement to know where the payment is going, how it is applied or new balances without waiting to talk to a representative. I just want to have access to the online account so I can ensure payments are being applied correctly or to receive either electronic receipt or paper receipt of payments.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: My interest rate has increased from 6.00 % to 7.4 % in a matter of a year an a half. Navient also continues to decrease my autopay amount making this a never ending repayment process. I have approximately {$10000.00} taken out from a different servicer and have only {$2800.00} left on the loan and my Navient loan which was {$5000.00} principal is only down to {$4100.00}. How is this possible if I started paying back the loans at the same time. It seems Navient is going to continue to bump up my interest rates so I am never able to pay off this loan. I believe this in unfair business tactics in order to continue to receive money from me,.

Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with PENTAGON FEDERAL CREDIT UNION (IL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have a home equity line of credit with XXXX. For some reason it 's reporting as a credit card on my credit report with all three credit reporting agencies. This has caused other credits to deny my applications for new credit and increases in existing credit lines.

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 08/14/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: On XX/XX/XXXX I received a phone call from " XXXX '' from Trans Union. I asked her about a dispute that I placed in XXXX. It had been a while and I had n't heard anything from the dispute so I was trying to get an update. She would n't give me any information and she began asking me intrusive personal questions about my family, making criminal accusations that the negative items on my report might have been done by my family members. She stated that someone disputed items on my credit report in XX/XX/XXXX and they might 've been the same ones to have stolen my identity, but she would not give me information about the inquiries on my file as of today XX/XX/XXXX. Instead of being assisted I feel extremely violated and taken advantage of by this phone call. It was extremely disturbing.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: CBNA could n't verify any date but yet still process a hard inquiry on my report. XX/XX/XXXX and XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation