milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Convergent Resources, Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX XXXX claimed that I owed a debt for {$2400.00}. I sent several certified letters asking them to validate the debt because I knew that the debt was incorrect and invalid. They were not able to provide me with any type of debt validation but still would not remove the account from my credit report. I am reporting them because of their refusal and for unfair practices.

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 02/15/2017 about Student loan (Federal student loan servicing) with NELNET, INC. (NJ).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: My student loan " service '' provider is Nelnet. Due to financial difficulties I requested a lower rate for my student loan payments. I was told I was eligible but had to fill out a series of forms. I requested these forms be mailed to me, but they never came. I requested them again, but they still did not arrive. I called a third time and was told they could be e-mailed to me, so I requested that an emailed copy be sent. It arrived and filled it out as requested. After hearing nothing back, I called and was told that they never received it. 

I do not believe this is an accident. I believe they are deliberately having these issues for the sake of continuing to charge me the exorbitant rate they are charging.

Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: There is a problem in the way TransUnion is reporting my credit scores, which is causing me problems when trying to obtain credit. In comparing all XXXX of my credit reports, the credit history between all XXXX credit reporting agencies is consistent, but TransUnion is reporting my credit score very low. For example, both TransUnion and XXXX use the XXXX Score XXXX model, both agencies have pretty much identical credit history, yet XXXX has my credit score listed at XXXX and TransUnion has it listed as XXXX. This is causing me issues in obtaining a refinance of my house, higher interest rates etc. I fully understand that each credit reporting agency has it 's own method of generating credit scores, but there is something fundamentally wrong when the scores are this much off between the other XXXX agencies. I have attached a document showing the disparity between my TransUnion and XXXX credit scores.

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 03-11-2017 about Bank account or service (Other bank product/service) with FIRST CITIZENS BANCSHARES, INC. (NC).
Issue: Account opening, closing, or management

Complaint: XXXX To XXXX XX/XX/XXXX at XXXX, MD XXXX P : XXXX XXXX, NC XXXX F : XXXX XXXX. 

XXXX, Attorney at Law XXXX, NC XXXX Urgent! 
RE : Attorney File : XXXX. 

Dear XXXX Thank you for your letter. I have no desire not to pay appropriate expenses including legal expenses related to my loans with the First Citizens Bank and Trust Company. 

I have been asking XXXX to provide me with the itemized bills from your institution and so far he has refused to do so citing, they are privileged documents. 

I have been a loyal customer and have been dealing with this institution for almost 20 years with excellent payment history until the bank changed its policy of renewing the notes and loans every 2 years and suddenly demanded almost XXXX dollars at once because my X spouse refused to sign the documents, even after court orders. This was compounded by XXXX failure to inform my current wife 's requirement to sign the documents either to me or to her beforehand. Once the shock was over and she agreed tosign the documents, XXXX promised to send the documents for our signing but failed to keep his promise, even though my current wife postponed her overseas travel by several days paying penalties to the airlines. Had that been done I did not have to go through XXXX and all these missteps. 

I have always cooperated with the bank to the best of my abilities and paying down the notes and loans, since the dust has settled and will continue to do that. 

XXXX on the other hand has on many occasions has been inconsistent, arrogant and grossly unprofessional and has played significant roles in these matters. He has never given me credit for consistent cooperations in this matter. Neither has he acknowledged my prior payment history for many many years.For example, he has commented that he would take over my XXXX, that I should go to another bank etc. etc. He even wrote derogatory letters when we both agreed to cancel the credit cards. I can give many other examples. 

We think the incidental expenses, home appraisal, legal etc. may be excessive and need clarifications. ( including payments made in these regards ). 

Please, do not hesitate to contact me if you have any questions. 

Your very truly, XXXX. 

CC : XXXX and CEO The First Citizens Bank and Trust Company.

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2018 about Student loan (Private student loan) with Performance Settlement, LLC (KY).
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: On XX/XX/XXXX I was contacted by XXXX XXXX to consoldiate my student loans and to enter in to a student loan forgiveness program. There contact information is XXXX address is XXXX XXXX XXXX XXXX . XXXX XXXX CA XXXX. Starting XX/XX/XXXX through XX/XX/XXXX the company ACH debited my account for each months for a transaction of {$100.00} and a seperate transaction for {$0.00}. i was contacted by XXXX my actual Department of Education Loan Servicer on XX/XX/XXXX stating that i was 177 days past due and was fixing to be in default with my federal student loan. i told them that i was working with a third party servicer paying them a monthly payment towards my loan. They informed me that i was involved in a student loan scam and gave me the number to contact CFPB. I have also contacted my bank that the funds were withdrawn from and have put a hold from this company to withdrawl and more funds. This company has taken {$1600.00} feom my account and refuses to pay it back to me.

Company response to consumer: Untimely response
Consumer complaint received 04-08-2015 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I tried to get my credit report from Equifax.com and in order to do so, I had to answer some security questions. None of them pertained to me. It said I had a mortgage in 2012 that I have never had, And also retail credit cards such as XXXX.. I 've never had any of the above. So I 'm not sure if someone has gotten these items in my name or what the issue is, Because I can not get in touch with anyone, There is only an automated system when you care Equifax. I 've issued a fraud alert.

Company response to consumer: Closed with explanation
Consumer complaint received 08/20/2015 about Debt collection (Medical) with Commonwealth Financial Systems, Inc. (NV).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: Common Wealth Financial has previously been notified that the debt is from Identity theft. They deleted it in from XXXX, but on XXXX XXXX, 2015 they reinserted the debt in my XXXX file. XXXX different collection agencies reported the same debt on my credit files within 30 days. XXXX/XXXX/2015 XXXX reported it. XXXX/XXXX/2015 Common Wealth Financial reported it. XXXX/XXXX/2015 North East Credit & Collect XXXX inserted the same bad debt on my XXXX. There is no way XXXX debt collectors can have a legal right to pursue XXXX bill at the same time with XXXX of them listing it 15 days apart in the same month.. Commonwealth Financial has the XXXX debt SEPERATED into XXXX accounts instead of the total being listed once. I 've spoken to the original creditor they tell me it should be listed as XXXX account number, NOT XXXX. They 've separated it to do as much damage as possible to my credit scores. The same {$1300.00} bill had been listed as {$3500.00} in my reports.Why would they remove from XXXX bureau then at a later date report it another?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2016 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (IN).
Issue: Shopping for a loan or lease

Complaint: XXXX XXXX, XXXX, my husband and I went to XXXX XXXX, XXXX IN to look at vehicles. We thought we had purchased a XXXX Ford Edge. Ally financial was the finance company who was financing the vehicle. We took the vehicle home that same night. I put insurance on it but I was never able to register the vehicle. I received a letter of denial from Ally date XXXX XXXX, XXXX stating they could not finance the vehicle. I called Ally and I called XXXX in regards to the letter of denial. Ally said I should contact XXXX. I returned the car on XXXX XXXX, XXXX. I could not get anywhere with XXXX. Ally processed the loan anyway even though I had returned the car. The car was sold at auction some time around XX/XX/XXXX. Then they claimed that I still owed them {$8800.00}. This is a charge off. I do not owe them anything. There was never any agreement to the modified terms of the contract. I never signed any additional papers. There was no meeting of the minds. And once you make changes to the original contract that voids the deal. Which is what happened. I have supporting documents to prove my case.

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 04/29/2015 about Bank account or service (Checking account) with CITIZENS FINANCIAL GROUP, INC. (PA).
Issue: Using a debit or ATM card

Complaint: I seen some a irregular activity on my bank account and called citizens Bank on XXXX XXXX, 2014. The representative was very condesending and rude. He said, " Ma'am! If someone were to steal my credit card information it would be for more than $ XXXX, it would be for hundreds of dollars! He brought to tears! Talked to me like I was crazy! I am a single, working mother! The activity only continued but due to my XXXX, of having to call and be demeaned again by another representative I ignored it ... Until the transactions got larger! The bank agreed to pay me back from my XXXX contact with them as per the attached, in the amount of {$310.00}. This was all due to the fact that the customer service representative, XXXX XXXX, on XXXX XXXX, 2014, said " no one would steal small amounts of money!!! '' Due to his lack of knowledge, rude, condescending behaviors and negligence they are telling me I 'm out over {$1500.00}. If he would 've did his job, when I called to alert them of the suspicious activities, he should have immediately issue a new card, In addition, I would not be going through this! Someone skimmed my card from a gas station and stole my information. I do n't know if I should contact the police as well, and am at a loss with all of this! Is there anything I can do? Are there requirements for the banks insure their employees? I have called multiple times and can not even communicate with the customer service representatives! Please HELP ME!

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2017 about Debt collection (Credit card) with Collins & Hilton Asset Group, LLC (MN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: Here is the deal ... I do n't owe a debt collector as this issue is with Collins Asset Group and they have refused to put down the proper information on this, so it makes it look like I have an account in collections which is inaccurate ... You ca n't have a debt in collection, when it was closed due to a bankruptcy ... This is impacting my life and has caused me to be turned down for a loan and a credit card as I am trying to rebuild my credit score ... I have been working hard on getting things in order and this has put up a road block ... It 's being reported to XXXX credit bureau ... I currently have an attorney who is ready to move on this if it does n't change and get reported as " closed '' due to Bankruptcy ... 
Thank You

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I had a GA tax lien on my credit report since   X/2011  in th e amount of {$1400.00} that has been paid and satisfied.I requested for the lien to be removed from all  XXXX  credit bureau agencies . (   XXXX ,  XXXX  and TransUnion  ) b ut has not been done.The GA  State tax sa id they do not report to credit bureau and  XXXX  GA  Superior court s aid they do not also. I tried to pull my name up on   XXXX   XXXX   XXXX   but nothing comes up under my name so this is proof I have no outstanding state tax liens.   This is affecting m y credit score s ignificantly and I desperately need help getting this 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 non-monetary relief
Consumer complaint received 01/19/2017 about Debt collection (Federal student loan) with Navient Solutions, LLC. (NY).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Navient is stating that I owe {$11000.00}. My loan is for {$10000.00} and I have been making payments so I would think it should be less. I tried working our a plan for months, but they were very difficult to deal with. My acct fell further behind. They finally put me into forbearance ( deferring my loan payments ) because the repayment plans they were proposing we not affordable. This went on for years because there payment plans were too high and I knew I would fall behind again. I offered to make small payments every month, but they were not willing to accept them. I believe the years of forbearance caused my loan to incue additional interest and fees that could have been avoided. When they finally came up with a payment plan that I could afford, they said they would remove any negative information from my credit if I made payments on-time for XXXX months. They put me in a " probationary '' period. I completed the XXXX months but they did not remove the negative information. After several phones calls and letters to Navient and the credit bureaus for months, the negative information was finally removed from XXXX and XXXX, but still remains on my XXXX report.

Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2015 about Bank account or service (Checking account) with CITIZENS FINANCIAL GROUP, INC. (NJ).
Issue: Account opening, closing, or management

Complaint: I was told about a promotion Citizen 's Bank was offering that you would receive {$200.00} if you opened a checking account with them and used their bill paying feature online to pay XXXX bills which had to clear by a certain date. I opened my account in XXXX. In late XXXX I called the customer service line to clarify when the XXXX bill payments had to be made by, the representative was n't sure of the promotion so she instructed me to contact the branch in which I did and was told that the bills had to be paid by XXXX XXXX, 2015. All XXXX of my bill payments were made before that date. I was also told that I would have my bonus by XXXX XXXX. On that date, I did not see my bonus credited to my account, I called customer service again in which they told me that the date for the XXXX bill payments was now XXXX XXXX, and that it was posted on a flyer, which I never received because I heard about the promotion from word of mouth and there was also nothing on my paperwork stating that was the date. If they did not put that information in writing how was I to know when the date was besides what the person told me over the phone. Since I called them on XXXX XXXX I have gotten nothing but excuses about why I did not qualify instead of the staff making an effort to understand my situation and see that I should qualify for the bonus based off the information that THEIR employee gave me. I feel like the bank is using this promotion to lure customers in and intentionally finding ways to avoid having to pay out the bonus. It has been a very unpleasant experience and I feel like I was treated as just a number instead of a human. In a time where the economy is struggling it is very disheartening to be told that you will receive something and then not get it after waiting. I still feel that I am owed this bonus but due to the terrible customer service at this institution and dishonest communication on their part I am sure they will continue to find ways to tell me that I did something wrong. I encourage people to not waste their time opening up an account with this institution just to be lied to and given the run around.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06/28/2016 about Student loan (Federal student loan servicing) with AES/PHEAA (MD).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: This is the third year I have been kicked off IBR by FedLoan while they 'process ' my re-certification. In the meantime, I have been forced into either forebearance ( adding XXXX in interest/month + ineligibility for PSLF ) OR paying standard repayment ( doubling my monthly payment, which is unaffordable ). I have filed my paperwork on time every year, they have taken 3-6 months to process it. Twice placing me on the incorrect repayment plan - making me ineligible for PSLF, and costing me thousands of dollars while they corrected the plan the second time. FedLoan is also not correctly calculating my eligible payments toward PSLF. I have made on time payments for the last 10 years, while employed full-time at an eligible public employer. The first two years FedLoan had me in the wrong repayment plan ( I was unaware since I requested IBR, and was naive enough to think I was in the plan I had asked for ), so I lost two years of eligibility. I was able to change into the right plan in 2009, and have continued to pay on-time and have not changed jobs. I have refiled paperwork with them every year, confirming my continued employment and eligibility. However, FedLoan continues to show my eligible payments at XXXX - XXXX more to go - after almost 8 years of payments, how is that possible? I know I lost a couple of eligible payments when they put me in foreclosure for a month or two while they fixed the recertification they screwed up, but showing less than two years of eligible payments is insane. There are a lot more issues, but these are the highlights. Right now I am feeling very helpless as I am going into my third month of standard repayment as they 'expedite ' the IBR paperwork that I filed in XX/XX/XXXX. I can not afford to keep doing this, but am not going to take on thousands in accrued interest ( again ) for their inability to do their jobs. Please help. I am happy to provide documentation or any additional information as necessary. I know I am not alone stuck in the FedLoan incompetence trap.

Company response to consumer: Closed with monetary relief
Consumer complaint received 05-02-2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Billing statement

Complaint: Credit card company stopped sending statements, claiming that they were sending 'paperless ' statements, none of which were ever received. There were no problems with the email system on my end. They were simply not sending statements. Eventually, I missed payments, since I had to check the website periodically to see if I owed anything. They reported the missed payments to the credit bureaus, claiming that the glitch was not their problem. This has directly effected my credit score and report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/28/2015 about Credit card () with U.S. BANCORP (MO).
Issue: Advertising and marketing

Complaint: US Bank recently cancelled the free night award bonus which was a benefit of their club carlson credit card. I had renew my annual membership with them for this card solely for this benefit feature. US bank did not communicate clearly with me that the benefit had changed. Instead they added a small notification in my monthly statement to notify that this benefit was set to expire XXXX XXXX. I feel I was misled by US Bank as they advertized at the time I renew my membership unlimited free bonus award for any nights booked with points. my family do a large part of our banking with US bank and are not considering other options.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/15/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (AZ).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: XX/XX/XXXX - received email from XXXX that XXXX XXXX XXXX charged me {$3600.00}. Email stated card number was keyed in. I called American Express immediately and was told it would be taken care of. Charge was pending. I requested a new card and it was shipped to me. 

XX/XX/XXXX - Fraud Charge is now posted. I called American Express again and was told not to worry its being investigated. 

XX/XX/XXXX - Called because charge is still on my account. I was told they haven't done anything yet and they will investigate. They have no record of my second call and claim the charge as pending on my initial call so they couldn't get anything started.

Company response to consumer: Closed with monetary relief