milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-01-2015 about Credit card () with AMERICAN EXPRESS COMPANY (VA).
Issue: Closing/Cancelling account

Complaint: In 2013 I was having some trouble making all the required payments on my consumer loans. I contacted American Express to discuss arranging a payment plan. I realized that I had accumulated a large number of points on my XXXX Amex card, that I also hoped could be used as a credit towards paymrnts. I was initially told this would be ok, THEN I was told it would only be OK if I made a large payment immediately on the card. I felt bullied into the transaction, and complied because I wanted to keep my points balance and keep the card open. After the payment, Anerican Express refused to honor the points balance and closed the card.

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2018 about Student loan (Federal student loan servicing) with AES/PHEAA (TX).
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: During my time at the University of XXXX at XXXX XXXX, I was a low income student who qualified and participated in work study programming and I was also a pell grant recipient. My loans recently went up {$15000.00} within a months time totaling over {$130000.00}. I am disputing the amount of loans owed to XXXX XXXX because the information which they are reporting is not accurate. The loans that they are claiming which were disbursed to me are not accurate as I utilized pell grants and scholarships which I was a XXXX XXXX XXXX recipient. I graduated owing the university XXXX in student loans. I know this to be true and I feel that some fraudulently activity has taken place with the both the University and Fedloan servicing as they have continue to handle me as a number by way of my social security number

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2016 about Credit card () with JPMORGAN CHASE & CO. (VA).
Issue: Billing statement

Complaint: In XX/XX/XXXX I opened a business credit card with Chase Bank. I was issued a Mastercard. In XX/XX/XXXX I was encouraged to get paperless online statements which I done because I was told I would always have access to my statements. XX/XX/XXXX my account was sold/traded ( however that is done ) to XXXX business card. In about XX/XX/XXXX I requested hardcopies or online access to my Chase business card purchases from XXXX XXXX up until XXXX took over the account. XXXX tells me that Chase never transferred that information to them. They gave me a contact information for Chase business and they tell me that everything was transferred to XXXX XXXX. Neither company can come up with my statements from XXXX up until XX/XX/XXXX. Each time I request the information I am told it will take thirty days to get it and then when it is sent I only get as far back as XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2017 about Vehicle loan or lease (Loan) with FC HoldCo LLC (NC).
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint: XXXX XXXX XXXX overcharged me, even after requesting payment extensions, providing my XXXX XXXX Orders, and staying the interest rate and penalties were creating hardships. 

As soon as I was notified I was XXXX to XXXX XXXX overseas, in a XXXX XXXX in support of a XXXX XXXX I contacted XXXX XXXX XXXX. I spoke at length with XXXX XXXX on XX/XX/XXXX via email XXXX,  via phone XXXX, and XXXX Ext:XXXX. I emailed and faxed my XXXX and additional Financial Obligations that were impeding my payments. 

Furthermore, I have emails that show I communicated I was XXXX in a XXXX XXXX, I was feeling stressed and harassed. 

On XX/XX/XXXX XXXX XXXX, XXXX sent an email stating couldnt discuss via email, and asked me to call Additionally, emails in which XXXX XXXX XXXX stated on numerous occasions that they could not continue to discuss via email and asked me to call ( XXXX ) XXXX. 

I XXXX with a XXXX XXXX in support of a XXXX XXXX. I was in a XXXX XXXX. I was originally told that once XXXX the payments would be suspended for the length of the XXXX XXXX. I also provided documentation that the penalties, late fees, and excess interest was causing a severe financial hardship. 

( B ) during the period of military service, in the case of any other obligation or liability. 

( 2 ) Forgiveness of interest in excess of 6 percent. Interest at a rate in excess of 6 percent per year that would otherwise be incurred but for the prohibition in paragraph ( 1 ) is forgiven. 


The definition of an obligation as either a mortgage debt or any other obligation was an amendment established by 2203 of P.L. 111-289, effective XX/XX/XXXX. 

( i ) for a change of permanent station ( I ) from a location in the continental United States to a location outside the continental United States ; or ( II ) from a location in a State outside the continental United States to any  location outside that State ; or ( ii ) to deploy with a military unit or as an individual in support of a military operation for a period of not less than 180 days. ( c )

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 10-07-2016 about Credit reporting () with Experian Information Solutions Inc. (VA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Experian is, in my opinion, ruining my credit report on purpose. I am amazed at how inept they are being about fixing their own mistakes. I have sent them XXXX letters so far, highlighting exactly what was wrong and what they needed to fix and they have been responding with ludicrous statements basically telling me that I am the one who is wrong! I AM REALLY HOPING YOU CAN HELP ME! Here are my main concerns : 1. there are several accounts that were included in my chapter XXXX bankruptcy that are still showing late payment history AND BALANCES! CAN YOU BELIEVE THAT!?? 

2. Several accounts are reporting past due statuses when they are supposed to be current or are paid completely. 

3. I do n't believe that a proper investigation was done on some accounts that are showing late payments and I believe them to be errors and the late payments should be 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 03-03-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Why is still open on my credit report? and the balance is zero. THIS IS FIRST ONE The finance report on XX/XX/2010. I have the health plan from our school. It is cover this bill. 
I also payed this about 5 fives years ago. It also send me the refund on this one. THIS IS SECOND REASON. LET ME LOSS XXXX POINT ON THIS

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 06/16/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I have received notice that I owe payment for a debt to XXXX from Enhanced Recovery Company , LLC. Upon returning my equipment to the XXXX store in XXXX XXXX XXXX last XXXX, I was assured that my account had been paid in full and I did not own any additional money. I have not had XXXX since that time. 

I have not received any notice from XXXX prior to this statement that I owed anything or that there was a balance due. XXXX no longer has my account on file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-07-2016 about Mortgage (Other mortgage) with Ditech Financial LLC (MD).
Issue: Loan modification,collection,foreclosure

Complaint: I have been trying to get a modification from the company who holds my mortagage note, DITECH. This is my second request for action with your organization. My loan # XXXX. DITECH responded by sending me a request for documents such as my XXXX tax documents & Social Security/Pension income statement and 2 months proof of deposits. I responded by sending them the requested documents which consisted of a copy of my XXXX tax forms again on XXXX XXXX, XXXX. I also sent them a letter indicated that I do not get Social Security/Pension income and that I have been working fulltime for the last 20 years. They provided a point of contact which is never available. I would like to resolve this case ASAP so that I can get back on track with paying my mortgage. Please help me resolve this issue? thanks.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SUNTRUST BANKS, INC. (MS).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On   XXXX   XXXX   XXXX     I was to go to  XXXX , Florida and purchase a car that my son had found me at the dealership he was currently working at. The company is  XXXX   XXXX   XXXX   XXXX   XXXX . I was on my way from  XXXX  , MS to purcha se a vehicle when my son advised he was not getting commission on the vehicle that I was purchasing. He said I could still come purchase it and he would stay through the sale however, he was leaving the company after that. I still had planned on going and he called back and advised that the dealership advised they did n't want my business and  XXXX  could pack his desk and leave. My son  XXXX  then called me and told me to turn around they did not want my business and I asked to speak to  XXXX  the finance person and he refused to speak with me. I have a witness in my car hearing the conversation. I then called back and wanted to make sure they had nothing on my credit.   I then come home and checked and sure enough on   XXXX   XXXX   XXXX   they checked my credit without my consent or signature. There are several hard inquiries on there now from   XXXX   XXXX   XXXX    . I then contacted the  XXXX   XXXX   XXXX  after they did n't want to speak with me on the phone, and no one returned my call.    XXXX  had tried  two attem pts to resolve the issue, they did n't respond and I received an email on   XXXX   XXXX   XXXX     advising no response and this negative information will be reported for  three ye ars for  XXXX   XXXX   XXXX   XXXX   XXXX  of  XXXX , Florida.   I just purchased a car at the current company my son is a salesman at and seen there is still the ones from   XXXX   XXXX   XXXX    .       THIS IS THE EMAIL THEY SENT ME : COULD N'T UPLOAD ... ....      XXXX  Logo   XXXX   XXXX   XXXX      XXXX   XXXX   Re :  Complaint #  XXXX  -  XXXX   XXXX   XXXX   XXXX   XXXX  In the absence of any response from the company to this complaint despit e our two reque sts to them, we are closing our file on this complaint.     This unanswered complaint will become part of the information we report to the public on this company for the nex t three years. Should any government agency request our files on this company, your complaint will  be included.     If you have settled this complaint directly with the company, would you please let us know that, as well as any other comments you might have. Your help in doing this is important to ensure that our report to the public on this company is accurate.     Thank you for using  XXXX   XXXX   XXXX .        XXXX   XXXX   XXXX   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 01-03-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Pinnacle Credit Services, LLC (AR).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Several years ago I went to a XXXX local dealer. I purchased an XXXX, for surfing the internet. I signed an agreement, two years, I believe. 

The next day the card quit working. I went to the same dealer, and was advised they [ XXXX ] were going to void the first contract and roll everything to a new contract with a new air card. 

More plainly speaking, I would still only have XXXX account. 

I recently tried to rent an apartment and found out that XXXX is reporting in a negative manner to my reports. 

I sent a dispute letter and they [ XXXX ] failed to respond. I am now going to file an FCRA action, after I dispute directly with the credit bureau first. 

I understand you may not act on my behalf, in a legal capacity ; however, I want to exhaust all administrative remedies. 

Thank you in advance for your assistance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-04-2016 about Consumer Loan (Vehicle loan) with WELLS FARGO & COMPANY (TX).
Issue: Managing the loan or lease

Complaint: I have been making payments on my husband 's account for the past few months getting his account paid off. When it came down the the VERY LAST PAYMENT, my account was charged XXXX more than what it was supposed to be charged and the payoff was n't even that much. 
I called on Tuesday, XXXX XXXX at XXXX and spoke with a representative for 15 minutes and 27 seconds ( per my XXXX records ) and made sure the payment to come out on Thursday, XXXX XXXX was for {$550.00}. This morning, I checked my account and it was a payment pending for {$780.00}. I called and was on the phone with representatives back an forth for 2 hours and 43 minutes. I had asked for a supervisor, and was put on hold. I asked for the AVP, and was hung up on. My husband was on the phone with me and he even called from his work phone, only to be on hold for over an hour with them only to be given wrong information and NO RESOLUTION to the issue. All I wanted was MY MONEY BACK. I missed 2 hours of work this morning trying to handle this situation. The representatives were more concerned about a rep inputting the wrong information when I called on Tuesday than my money missing. The rep put in the notes that my husband called, but I was the one that called and I verified MY name and MY bank account information. One rep stated that the account was sent to the office of the President, however, she was the one who hung up on me when I asked for the AVP. I am BEYOND furious since we had plans to do other things and now my account is in over draft with no idea of when I will be getting my money back. When I asked any of the reps to give me their I.D . numbers, they either placed me on hold or ignored my question. They saw in the notes that the payment was made, but did not give a resolution to the issue. Instead, they just kept putting us on hold and transferring us. My husband said it happened to him a few months ago. They took alot more than he had authorized and they told him that he would be better off leaving it since he had another payment coming due. He said it took them 2 weeks to return his money after he called SEVERAL times.

Company response to consumer: Closed with explanation
Consumer complaint received 03/17/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: My identity was stolen in XXXX and there are XXXX accounts on my credit report with TransUnion. i 've disputed the accounts five times in the last year and TransUnion refuses to remove them even though I 've sent supporting documentation and Police Reports to show the identity theft. 

The accounts are : XXXX with an amount of {$320.00} and XXXX with an amount of {$420.00}. NEITHER of these accounts belong to me and are both reported as FRAUD under my consumer statement. additionally the fraud that took place on my credit files so severe I had to legally change my first name. 

I 'm attaching copies of the police report as well as screenshots of the XXXX XXXX accounts. 

As per the XXXX other Credit bureau 's, XXXX remove both accounts from my credit file, and it 's currently under review with 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 07/29/2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am filing this complaint because Experian 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 ( XXXX ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner 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 explanation
Consumer complaint received 01/24/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (TX).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: Four fraudulent charges appeared on my Citibank credit card account between XX/XX/XXXX through XX/XX/XXXX in  amounts from {$80.00} to {$310.00}. I noticed the charges online within two or three days and contacted Citi via online chat immediately to inform them of the fraudulent charges. Citi credited the amount of three of the four fraudulent charges back to my account immediately. One fraudulent charge from XX/XX/XXXX in the amount of {$170.00} remained pending on my account. 

The statement for my account closed on XX/XX/XXXX. The {$170.00} fraudulent charge from XX/XX/XXXX was still shown as the balance due on my account. There were no other unpaid charges on this account. I contacted Citi several times via online chat over the next three weeks. The chat agents refused to provide any further information. 

On XX/XX/XXXX I mailed a certified letter informing Citi that I disputed the four fraudulent charges. Citi received the letter on XX/XX/XXXX. Citi acknowledged the disputed charge via electronic letter on XX/XX/XXXX, but did not remove or credit the charge. I did not pay the disputed amount. 

My next statement closed on XX/XX/XXXX and included a late fee of {$25.00} and interest charges on the {$170.00} outstanding balance of {$2.00}. Citi online is now showing that my payment is past due despite knowing that this fraudulent charge is disputed. 

Citi has violated 15 U.S.C. 1666 ( c ). Citi sent me a statement dated XX/XX/XXXX including finance charges on amounts in dispute following written notice from me. That statement does not include any indication that payment of the disputed amount is not required pending Citi 's compliance with section 1666, as required by section 1666 ( c ) ( 2 ). 

I have requested that Citi remove the fraudulent charge, the late fee, and all interest charges. Citi has yet to substantively respond.

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 12/15/2017 about Payday loan, title loan, or personal loan (Payday loan) with National Financial LLC (DE).
Issue: Money was taken from your bank account on the wrong day or for the wrong amount

Complaint: I got a payday loan on XXXX XXXX XXXX. I called a few days after saying that I revoke authorization to debit my account. I got into a bad car accident on XXXX XXXX XXXX and had to be rushed to the hospital which I have documentation from state police. I was on bed rest for two days and was scheduled for a re-evaluation afterwards. I was not able to physically visit the lenders office due to my injuries and have to pay for my medical expenses and transportation. Again I specifically called the office and spoke with XXXX and requested that my account not be mishandled and to revoke authorization to debit my account. On XXXX XXXX XXXX around XXXX I receive an alert on my cell phone saying that my account has been overdrawn XXXX dollars from XXXX XXXX XXXX and another XXXX overdraft fee. I told them prior to the unauthorized transaction that I need to set up payment arrangements and XXXX did not take my request seriously and failed to act on my request on behalf of the company. I believe that fraudulent activity is happening due to my case and is directly correlated to the unauthorized transaction on my account. I was told by XXXX that he was going to debit my account anyway and if it comes back unpaid then and only then he will set up a new payment arrangement which is malicious. He is not the owner of the account and does not have the authority to chose to deny my request to leave my account alone, but since he took it upon himself to charge my account against my wishes, now my account is overdrawn {$100.00}. I would not recommend this company to anyone and I want the charge reversed due to fraud and unauthorized use of a bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with TRANSWORLD SYSTEMS INC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I was referred over to a debt collector through XXXX XXXX for {$980.00}. I was an Independant representative for XXXX XXXX on a XXXX basis and was only with the company briefly. I have not been licensed with the company since XXXX 2014 and they are trying to access me for Charges that are not valid. I had asked the office manager to look into the charges since I did not bring in any revenue as well as was only licensed with the company as an agent for 5 months without closing any sales and working as a XXXX employee. XXXX XXXX, account number XXXX, then turned me over to collections. This account is not valid

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
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: XXXX mortgage Is stating on my credit report that my account was charged off in a chapter XXXX bankruptcy and the account has been closed. I have not included this debt in my chapter XXXX plan and this was on the outside payment, I have been timely and never missed any payments as per contract. I would like it to report payed as agreed.

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