milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/19/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: XXXX submitted balance to collections agency before notifying me or finalization of term. Paid balance with school immediately but it had been in transit with collection agency whom was suppose to remove it from my credit file. Refused to remove even though they acknowledged that it was no longer 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 explanation
Consumer complaint received 02/18/2018 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: Their investigation did not fix an error on your report

Complaint: These companies are reporting 30 day lates on 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 01-08-2018 about Student loan (Private student loan) with Weltman, Weinberg & Reis Co., L.P.A. (IL).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: On Saturday, XX/XX/XXXX, I received a summons to appear in court along with my XXXX year old son. ( See attachment ) I am XXXX years old and retired and my wife is XXXX years old and also retired. My sole source of income is my XXXX pension and a reduced pension from Social Security, reduced because of the Windfall Elimination Provision ( WEP ) This summons that I received involves a student loan that my son took out when he was a student @ XXXX XXXX University and I co-signed the loan application. That was back in XXXX and the lender at that time was XXXX XXXX XXXX My son had been paying on this loan in the amount of {$150.00} per month until XXXX XXXX XXXX XXXX informed him that his payments would double to over {$300.00} per month and they refused to work with him to lower the monthly payments. Since that time, my son was injured at his workplace on XXXX XXXX, XXXX and has been unable to work. He has already had one XXXX XXXX and needs a second XXXX. His sole source of income is XXXX XXXX through his employers insurance company and is 50 % of what his full time pay had been. 
Meanwhile, XXXX XXXX XXXX. either sold his loan to XXXX, XXXX XXXX XXXX or retained them to sue both me and my son for the outstanding balance, which they claim is {$11000.00}. I do n't feel that either me or my son are being treated fairly by either the lending institution or XXXX, XXXX XXXX XXXX in taking us to court considering the overall circumstances. From what I have been able to learn about XXXX, XXXX XXXX XXXX, they appear to be a predatory collection agency who routinely take people to court to attempt to collect debts that they are not entitled to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2017 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I received notification that one of my credit cards were over-utilized and Experian dropped my score by about XXXX points. It was in fact my son 's credit card and Experian put that on my profile. After disputing it, Experian deleted it but never put the points back. I called them on numerous times and every time was disconnected by Experian when requesting to speak to a supervisor. Also found numerous phone numbers and even employer names that do not belong to me.

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 04/25/2017 about Debt collection (Payday loan debt) with Niagara Restitution Service Inc (LA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint: Sometime in late  XXXX  of   XXXX   I received a call from  XXXX   XXXX  wit h Niagara Restitution Service loc ated in  XXXX , NY.  XXXX  stated that  XXXX  had referred my unpaid loan t o Niagara Restitution fo r collection and that  XXXX  wished to press criminal charges against me if I did not repay the loan.  XXXX  told me tha t Niagara Restitution  would proceed with filing charges in  XXXX   XXXX   XXXX   XXXX  if I did not not pay immediately. I was terrified so I agreed to make payments of {$160.00} every  two week s until paid off. At the time, I did not know that I could not be prosecuted for an unpaid loan. After doing some research, however, I discovered that the Fair Debt Collection Practices Act does not allow de bt collectors to threaten ar rest for unpaid debts. Also t he State  of  Louisiana does not allow prosecution for unpaid loans. After learning this, I stopped my payments to Niagara Restitution. I struggled to pay this debt for almost four months becau se I have an elderly parent to care for. If I was in jail I would not have the means to bond out and my elderly father would have no one to care for him.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NH).
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: On XXXX XXXX, 2017 I notified XXXX that XXXX XXXX XXXX was charging me fraudulent charges on my card # XXXX and that I refused to pay them. I sent XXXX 60 pages of evidence to support my claim. XXXXXXXX had, nevertheless, damaged my credit rating because I refuse to pay fraudulent charges.

Company response to consumer: Closed with explanation
Consumer complaint received 11/20/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (NY).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: On XXXX XXXX I applied for a NEW Blue Cash Preferred account using a promotion that XXXX offered. I received an email from American Express confirming receipt of application and then spoke to a representative. She assured me that although I had a Blue Cash Everyday, since I never had a PREFERRED account I am eligible and will receive these incentives ( a ) no {$95.00} fee the first year ( b ) {$200.00} after spending {$1000.00}. 
I have many other XXXX credit cards and had I not been assured of this I would not have opened this account.Nevertheless, I was charged the {$95.00} fee and see no evidence of the {$200.00} bonus. 
I spoke to a representative today who claims that I am not entitled to these. 
Please help. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Clarity Services (MO).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: Regarding " Clarity Services '' This company is reporting information that has resulted in my being denied credit more than once. I 've faxed three requests to this company to obtain my credit report ( following instructions provided on their website ). All three have been ignored. I called the customer service number and was placed on indefinite hold. The attached image shows my XXXX XXXX account with three report requests to Clarity Services ' fax number.

Company response to consumer: Closed with explanation
Consumer complaint received 07/23/2016 about Credit card () with JPMORGAN CHASE & CO. (TX).
Issue: Advertising and marketing

Complaint: XXXX XXXX Mileage Plus Explorer Card is through Chase Bank. XXXX / Chase offers XXXX bonus miles " after you spend {$1000.00} on purchases in the first three months from account opening. '' That statement is on an advertisement on the wall of every airport that XXXX XXXX serves, it 's on the brochure in every seatback, and it 's on the card 's website. ( The link is too long to post. Just XXXX " XXXX XXXX Plus card. '' The first thing you see is the XXXX bonus mile offer. ) We more than met the requirement. When the points were not added to our account I spoke with a Chase rep ( name of rep and date of call available ) who looked at our card usage, agreed we had met the requirement, and attempted to get the miles credited to our account. In response I received a letter XXXX XXXX from XXXX XXXX, Customer Service Specialist at Chase who denied that we had met the requirement. That precipitated my second call ( name of rep and date of call available ). The rep agreed we were entitled to the bonus miles and said that she was going to use a different " channel '' at Chase to get the points credited. A second letter from XXXX XXXX, Senior Financial Service Specialist XXXX arrived XXXX XXXX. This one said " As previously advised we only consider MATCHING BETTER OFFERS ( emphasis added ) within 90 days from the open date. Since you were outside of that timeframe, I regret that I am unable to take further action regarding the enrollment offer you requested. '' Please note : my complaint has nothing to do with " matching a better offer. '' XXXX XXXX has the wrong account in mind or something. 
I called XXXX XXXX six times at different times of the day from XXXX/XXXX/16 to XXXX/XXXX/16. Each time I had to leave a message. XXXX XXXX never returned my calls. 
I am exceedingly provoked by Chase attempting to stiff me, and by XXXX XXXX refusing to answer my calls. What 's the point of a Service Specialist putting a phone number with the hours he takes calls at the bottom of his letter if he does n't return calls? 
All I want however, is for Chase to honor the offer that they made. 
A check box below asks how much money we lost. We have lost nothing out of pocket, but XXXX miles will fly me or my wife to California and back -- which is worth about $ XXXX. One of the reasons we signed up for the card was the offer, so in that sense they are defrauding us of as much as {$500.00}. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: i sent in a identity theft affidavid and a police report to inform Transunion, XXXX, and XXXX that i have been a victim of identity theft and several accounts showing on my reports are not mine after thirty days their response was we verified these accounts as being yours but when i asked for proof they said we dont have to give you proof i asked why not if you are saying these accounts are mine i also said anyone can send you a letter saying these accounts are mine wheres the proof show me something with my signature or a copy of my drivers license, i have XXXX bankruptcy 's showing on my credit reports whne i disputed with transunion they did remove them but XXXX, and XXXX both keep saying we verified these with the courts which i a lie i called the federal bankruptcy court they said they do not verify any information for credit reprting agencies when i informed XXXX and XXXX of this their response well its been verfied we not removing them, these are the accounts showing on my report that are not mine i have disputed tiwce and sent in identity theft information. 
XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. 

any assistance would be greatly appreciated 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 03-07-2016 about Mortgage (Other mortgage) with OCWEN LOAN SERVICING LLC (WA).
Issue: Loan modification,collection,foreclosure

Complaint: I am now opening a formal complaint and reporting this file to Making Home Affordable.gov as well as the consumer finance protection bureau and the federal Trade commission. 

I would like to start by saying that we had submitted this transaction to Ocwen Loan Servicing with an offer of {$110000.00} Ocwen Required us to move the file to XXXX and list this on XXXX where another buyer won the auction at ( meeting he reserve bid ) and even bidding higher to {$110000.00} plus the required {$5200.00} plus {$290.00} both fees paid to XXXX. 

The file moved back to Ocwen, the file was then submitted to the investor and was rejected ( not for the HAFA fee of {$12000.00} being offered to the XXXX lien ) but because the purchase price was too low according to the investor. Ocwens solutions was to submit the file back to XXXX to have the property put back on the auction site and try to obtain a higher offer. 

I filed a complaint and the file moved to XXXX XXXX in escalations, and was told the file is no longer with ALtisource. I asked XXXX about the coutner/ value/ buyers premium etc. He decided to only answer emails he felt comfortable answering and stuck to countering me. 

He then asked me for a payoff for the XXXX which I obtained. He then countered me that the max to the XXXX in HAFA would be 8 % UPPB. He did n't want to provide the guidelines to me that stated it was 8 % nor did he want to explain why the XXXX 2016 HAFA policy says the agreegate cap can not be less than $ XXXX instead he wanted to speak with me via the telephone where he could speak over me and continue to argue with me that I was reading the policy wrong. 

I will be bring this up with those regulatory agencies so they can elaborate on their policy for Ocwen. 

I hope the Trade commission decided to investigate this Ocwen/ XXXX relationship. And I would like an explanation how this is acceptable customer service. Now we have been at this for months and months. I escalate a matter and get totally unprofessional service from your escalations representative. Please see below and advise.

Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2016 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have a debt on my credit report who I do not recognize. I received some phone calls for a collection agency treated me of jail and legal action against me and my family. I want this company to stop harassing me and stop calling me I am on the do not call list they even call my cellphone number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-05-2016 about Student loan (Federal student loan servicing) with Immediate Credit Recovery (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: to keep it short I have been sending payment pre seeing it via XXXX to my loans still they 've started garnishing wages - I need - stating I have n't been sending payment I had a plan of XXXX, which I was n't able to meet because I a single income household the payments I have been sending are more than the XXXX from the plan that was set up that I did n't meet. when I call to talk to someone about my loan their systems are down and I have to wait long period to get someone and then I am transferred constantly I do n't know what to do - I ca n't meet my obligations of rent, utilities and food even less now that 15 % of my wages are being garnished

Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (MD).
Issue: Trouble during payment process

Complaint: I submitted a request to Mr. Cooper to remove my hazard insurance from escrow account. I received response from Mr. Cooper denying my request. According to letter I received dated XX/XX/XXXX, they are saying reason my request was denied because of late mortgage payments between XX/XX/XXXX and XX/XX/XXXX. THIS IS NOT TRUE. I WAS NEVER LATE WITH ANY MORTGAGE PAYMENTS SINCE BUYING MY HOUSE IN XX/XX/XXXX. During this time period XX/XX/XXXX to XX/XX/XXXX I was under trial period mortgage payments which was a reduced amount  payment. This was a PREREQUISITE FOR QUALIFYING FOR A LOAN MODIFICATION. I was told by the mortgage specialist that this trial period payment " WOULD NOT HAVE A NEGATIVE IMPACT TO MY REGULAR MORTGAGE PAYMENT ''. Because of the problems I am currently experiencing and difficult time I am having to resolve them, the information told to me from the mortgage specialist was NOT CORRECT. I submitted complaint to CFPB ( XXXX ) explaining problems I am currently going through as result of my hazard insurance being added back to escrow. This was added with no communication to me. Since I never approved loan modification and loan modification was rejected hazard insurance should never been added to escrow. Because of incorrect reporting of me being late in mortgage payments, is preventing them to fix my escrow account. All my trial period payments from XX/XX/XXXX to XX/XX/XXXX were paid on time.

Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with DISCOVER BANK (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I am a victim of identity theft. This inquiry was not authorized by me. I request the prompt removal of the inquiry. I have attached a copy of the FTC affidavit of identity theft, a copy of a letter from another creditor where I was a victim of identity theft, a copy of my ID and a copy of my lease showing I did not live at the address attached to the inquiry.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/24/2018 about Debt collection (Other debt) with AFNI INC. (CO).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: XXXX XXXX I did not like there service..I live in the XXXX of Colorado often lost service and could not get the kind of programming I wanted without a heavy increase of fees. Also the rate kept changing and increasing on a monthly basis. So I cancelled they refuse my cancellation for a period of 60 days and charged me extra fees of service after I requested cancellation. I also returned there equipment and suffered a 6 month denial that I returned the equipment and they showed inaccurate account amount on my credit profile for at least a year. AFNI is there collection service currently reporting for XXXX XXXX. They started with an account for almost a year at {$800.00} then eventually after disputing this several times lowered it to {$300.00}. So nothing is accurate and nothing is consistent for they state the account was opened in XX/XX/XXXX but the account was open in XX/XX/XXXX. They have moved the open date a few times.

Company response to consumer: Closed with explanation
Consumer complaint received 05/22/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (MI).
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint: On XXXX XXXX, 2017 I contacted Capital One Credit Card because my card was assessed a fee of {$39.00}. I was informed the fee was for the annual membership in which I denoted I did n't want to pay someone to spend my money. I was transferred to a Supervisor and she supposedly upgraded me to a new card. I initially had the XXXX XXXX card but inquired about a card that would give me mileage and rewards. The Supervisor did n't know of all the rewards with the mileage card but stated I would not have a fee. In addition, she gave me a promotion to reduce my interest. On XXXX XXXX 2017 I contacted Capital 1 and spoke to representative XXXX regarding receiving multiple credit cards one card was a Venture Rewards card and the other card was a XXXX XXXX. I advised the agent that I 'm suppose to have a Venture Rewards card that is accumulating miles and cash rewards. I told her I was upset that all the cards were being mailed given I was the victim of identity theft. On XXXX XXXX 2017 I spoke with representative XXXX XXXX to have the call reviewed because I received another credit card in the mail. Also, she denoted I have a XXXX card but I pointed out the card I have is a Venture card in my wallet. She gave me a {$25.00} credit for the inconvenience and advised it takes 24-48 hours to review the call. On XXXX XXXX 2017 I contacted Capital 1 to see why I had not heard from anyone. I spoke to XXXX who stated they reviewed my call and I agreed to keep the XXXX. I asked if the person reviewing the call to hear that the representative did n't know of all the options for the card but I wanted the Venture Rewards card with no fee, mileage accrual, and cash back. I also asked when they contacted me because it was not on my cell phone at XXXX. If so, to provide a date so I could check my call register. XXXX advised me that although my account has Venture Rewards, I possess a XXXX, my benefits are those of a XXXX XXXX. I denoted that was misleading to me as a consumer. In addition to, my credit on my account was switched over to miles then to a check. Would he could check with IT to confirm? I find myself outraged that I 'm forced to have something that I do n't want. Needless to say, he alleges that the XXXX was for the confusion. I attempted to correct him by stating the XXXX was for the fact that Capital 1 sent me 3-4 cards in the mail knowing I was previously a victim of identity theft and having to  continuously call into their company.

Company response to consumer: Closed with explanation
Consumer complaint received 10-07-2016 about Consumer Loan (Installment loan) with Prosper Marketplace, Inc. (GA).
Issue: Problems when you are unable to pay

Complaint: in 2014, I got a loan from prosper. I had financial hardship and could not keep up with the loan payment. I tried to settle with prosper and was unsuccessful. Prosper has ruined my credit for the last 2 years. I just informed that they sold the loan. I would like prosper to rescind that sale and stop ruin my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2016 about Student loan (Non-federal student loan) with AES/PHEAA (OH).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: Since XX/XX/XXXX, American Education Services has increased the interest of my student loans. Account number in reference is XXXX. Please see below. 
LOAN INFORMATION Loan Program Current Owner Disbursement Date Interest Rate Interest RateEffective Date PEPLN NCT XX/XX/XXXX 5.180 % XX/XX/XXXX LOAN INFORMATION Loan Program Current Owner Disbursement Date Interest Rate Interest RateEffective Date PEPLN NCT XX/XX/XXXX 5.200 % XX/XX/XXXX LOAN INFORMATION Loan Program Current Owner Disbursement Date Interest Rate Interest RateEffective Date PEPLN NCT XX/XX/XXXX 5.250 % XX/XX/XXXX There is no specifics as why the increase in rates for 3 consecutive times within a year. I would like to investigate and find a resolution. 

Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Phone XXXX XXXXXXXXXXXX

Company response to consumer: Closed with explanation