milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/15/2015 about Student loan (Non-federal student loan) with CITIZENS FINANCIAL GROUP, INC. (PA).
Issue: Getting a loan
Sub-issue: Can't qualify for a loan

Complaint: Citizen 's Bank turned my daughter down for a student loan and I her father was turned down as a co-signer. I have an excellent reputation with the Parent Plus Federal Loan and any other current loans. I receive government subsides to carry forth my life. I explained to Citizen 's Bank at great length ( included ) that I am in the process of disputing claims against my credit by XXXX, XXXX, and XXXX XXXX. I have already erased one of these blemishes. Unfortunately, only XXXX XXXX has responded ( with a copy of my credit report ) to the legal firm representing me ( XXXX XXXX included ). I feel that the fact that this is a loan for my daughter, who has an excellent grade point average, a job in the XXXX field ( her major in college at XXXX University ). My daughter being a young women needs a chance to display her ability to enter into a contract, I feel the bank has not considered this. Her father has an excellent " A '' rating with all credit reporting agencies in repayment history. I do n't understand why the federal government has no problem understanding the hardships my family has been through ( a XXXX divorce - XXXX years ) and the bank fails to understand that the debt belongs to my ex-wife. I have shown with the enclosed information that I take my credit history seriously and paid any and all creditors whether it was incurred by me or not during my marriage. The bank I feel has been prejudical toward my daughter and myself by taking the side of creditors that they do n't even know the history of. Everybody in this world deserves a chance to succeed. In these hard economic times, the government bailed banks out with tax payers money, now this tax payer is now asking the bank to help him out. We entered into a contract with the federal government and they felt my credit was fine. We are prepared to enter into a contract with the bank and in recent years through this divorce both my daughter and I have shown that we pay our debts. I feel that this bank has acted discriminatory without reason. Anybody in the public domain understands that these credit reporting agencies are not public friendly. We hope that you can help in obtaining in the loan so that my daughter can continue her studies.

Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TOYOTA MOTOR CREDIT CORPORATION (NY).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I had a satisfactory account with  XXXX   XXXX  for over  three years. There w as a total loss to the vehicle and a balance was due that I was n't aware of. I subsequently qualified for a second loan with the institution 5 months prior and was never contacted about the first being in rears. The following year I discovered it in derogatory status on my credit report and immediately paid it in full. Representatives of the institution refuse to update my credit report accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (NC).
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 XX/XX/XXXX I sent a registered letter to XXXX XXXX XXXX regarding account # XXXX about their reporting of this account with all 3 credit reporting agencies. My complaint was their reporting a late payments some 8 times. I requested validation that this was even my account by proving my signature and while this was going on to list this as disputed. This account was also listed as the credit line was closed by the grantor. 

I sent a second letter on XX/XX/XXXX giving them an additional 30 days to provide this information and informing the credit bureaus that this is disputed. 

Since they have refused to provide proof that this debt is/was mine they are defaming me and my name, lowering my credit score which requires me to pay much higher interest for any future loans and the inability to refinance my home.

Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2017 about Credit card () with Alliance Data Card Services (NJ).
Issue: Late fee

Complaint: XXXX Comenity Bank XXXX XXXX Ohio, XXXX I have been a XXXX holder for over ten years and have never had a billing dispute or late payment. I am extremely upset by a recent interest charge on my bill and I have spoken with your Customer Service Representative XXXX in the XXXX Call Center office who suggested that I contact you via fax. 

On XX/XX/XXXX I purchased a sofa from XXXX for XXXX on a XXXX payment plan. The purchase of the couch and the incentive plan was encouraged by a XXXX design consultant. I have continued to pay all my bills timely throughout the course of this payment plan. 

This same couch that arrived in XX/XX/XXXX was substandard in quality and the fabric was in such shabby condition that by XX/XX/XXXX, XXXX agreed to pick up the couch and replace the couch with the same couch but with a different fabric. The new couch was delivered in XX/XX/XXXX and it was delivered in a defective condition. I have been emailing and speaking with the customer service department for over 2 months at this point and have sent photos indicating the deficiencies. The couch was sent missing a leg and wound up damaging our wood floors as well as hardware underneath the couch to keep the four individual pieces together. To this date, I have not been able to get XXXX to send the appropriate hardware or send someone to fix the imperfections. I have included the emails and photographs for your review In XX/XX/XXXX, we were away and missed the mail and missed one bill payment to the credit card company. As a result from one missed payment, over {$2500.00} in interest fees have resulted for this same defective couch. We are now supposed to pay over XXXX for a couch that has been delivered completely defective twice. 

I apologize for the one missed payment and did agree that you have financial terms to your agreement, however, your company is also supposed to deliver quality items that are worthy of the cost. In this case, we have received substandard quality and I have wasted an exorbitant amount of time and money trying to remedy this situation. The finance charge of {$2500.00} on one missed payment is exorbitant and unfair and seems to take full advantage of the consumer. 

I have asked for the removal of the interest charges based upon our account history, longevity and the defective product At this point, we have asked XXXX to simply pick up the couch and refund our money and start over. We have had no response to this request. 

We are at the point where we are ready to simply cancel the card and never work with XXXX again based upon this one incident. We have asked that the credit card company reimburse the account for the interest charge billed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 05/25/2016 about Credit card () with UNITED SERVICES AUTOMOBILE ASSOCIATION (CO).
Issue: Closing/Cancelling account

Complaint: I applied for and was issued a credit card from USAA. I attempted to login to my online account and was unable to do so. I contacted USAA by phone and was informed that my account had been canceled. I was given no reason as to why it was canceled. I also received a letter from XXXX stating that they were adding a " Fraudulent Application '' note to my credit report that was instigated by USAA. I disputed the Fraudulent Application note and, after investigating the Fraudulent Application claim, it was unfounded and removed from my credit report. Legally, I should have been notified in writing within 60 days of USAA canceling my account with the reason for the account cancellation, I never received such notice.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2015 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (CA).
Issue: Problems when you are unable to pay

Complaint: A debt collector sent text messages to everyone in my family including in-laws, stating that they were an " investigator '' along with a case number. The following was the actual text message : '' XXXX XXXX last name removed for privacy ], please call Investigator XXXX XXXX regarding case # XXXX number removed for privacy ] at XXXX. ''

Company response to consumer: Closed with explanation
Consumer complaint received 01-01-2016 about Consumer Loan (Installment loan) with Bliksum, LLC (UT).
Issue: Managing the loan or lease

Complaint: The company sends out reminder emails staring my payment is on a specific day but the payment is taken prior to the date mentioned in the reminder email. This causes payments to bounce and overdraft fees in my account.

Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX and experian show my score over XXXX points below XXXX. Every time I try to dispute items that are severely inaccurate, first they say yes we found your file how can we help you? Then they ask for further verification by asking me to choose one of five options that identify me, but every one thru propose is inaccurate so then they shut down any conversation or correspondence with me. They show me as having retail charge cards, I have none. They show me having lived in XXXX Georgia NEVER! they show my spouse as my deceased father! They show me having an auto loan with a lender that I do n't have an auto loan with. They show me as having tax liens, medical bills that are n't mine and public records that I am unaware of. I have 100 percent perfect payment history. My c card utilization is at 19 percent. I have never been late I have never had a bankruptcy they show XXXX hard inquiries that are not mine!! I make XXXX a mo as a XXXX XXXX specialized and certified in XXXX, same job for almost 3 yeRs. Same residence 3 years and 7 years prior state. No criminal record and yet I 'm being denied an auto refinance every month because of their derogatory credit ratings of me. I 'm begging you please help me get them to correct my file and delete the things that are incorrect.

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 04-05-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with H. Kent Hollins, Attorney at Law, P.A (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This judgment was filed in XX/XX/2000 in XXXX County . I thought federal prohibits someone from collecting debt this old. I do n't know what this alleged debt refers to. It is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I do n't even know if they still are in in business anymore. It has been XXXX years. This law firm should be sanctioned under unfair trade and collection procedures.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (WA).
Issue: Transaction issue

Complaint: I am writing to file a complaint against Bank of America Credit card for refusing to reverse the charges I incurred for purchase of a defective item I made on XXXX for the amount of {$320.00} from an E-bay seller " penandbeyound '' ( see attachment page XXXX ). The purchase was made towards XXXX XXXX XXXX XXXX fountain pens. I had originally complained to BofA after sending back XXXX item ( {$210.00} ) as it was DEFECTIVE ( the inner mechanism does not work ) not " broken '' as the seller claims, and wanted the seller to refund me the {$210.00} only. This XXXX item was sent back by - USPS certified mail XXXX XXXX XXXX XXXX XXXX dt XXXX - ( see attachment pages XXXX ). While BofA was investigating, XXXX decided the case in my favor and sent me an e-mail requesting me to send back both the items I purchased from " penandbeyond '' ( see attachment page XXXX ). I returned the remaining XXXX item as I had already returned the first item and I send this second item back by - USPS certified mail XXXX XXXX XXXX XXXX XXXX XXXX. XXXX. XXXX ( see attachment page XXXX ). BofA originally sent me a form letter to fill out and send it back with the information ( see attachment pages XXXX ) which I did on XXXX. Unfortunately, BofA has not yet contacted me nor has it reversed the charge of {$320.00}. I have attached copies of all the documents that I sent BofA for your perusal. Please help me get back my money for the XXXX fountain pens I bought and subsequently returned. Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I sent a request via certified mail : I am requesting the removal of  XXXX  judgment and  XXXX  bankrup tcies ( below ) on my credit report due to Civil Case No.   XXXX ,  XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  I di d not know the source of their information on those judgments and bankruptcies and due to this,   XXXX   has  violated  the Fair Credit Reporting Act ( FCRA ). Please remove these judgments and bankruptcies as soon as possible.   Bankruptcy Ref. #  XXXX  Since this is a request and not a dispute, I would like to receive confirmation that all judgments and bankruptcies listed on my credit report has been removed within 15 days of the date on this letter. Your attention to this matter is greatly appreciated.     My request have been ignored and unfulfilled and not validated

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 01-05-2016 about Credit card () with CITIBANK, N.A. (DC).
Issue: Billing disputes

Complaint: I have disputed the charge for the service that has not been provided. However, the bank refused to give a full refund claiming that they are not able to collect money from the merchant. This is not has been promised in their dispute policy. This is the main reason I use credit card as it is a safer way of doing business. Credit Card should honer their policy and issue a full refund. And if they can not make the merchant pay them back they should not allow this merchant to use this system.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (TX).
Issue: Problems caused by my funds being low

Complaint: I 've requested documentation regarding the Overdraft Fees reported to XXXX and they refused. They are withholding important information I requested because I contacted Office of Comptroller and Currency. I told XXXX Chase can not withhold information from the customer accounts. According to FCRA, they have to provide derogatory information they supplied to XXXX. 
On XXXX/XXXX/16, XXXX XXXX told me " Since you reported J P Morgan Chase to Office of the Comptroller of Currency, they would not provide the information ''. XXXX refused to provide the information she called me about. In addition, XXXX told me they got my online request to close the account and they did not close it because there was a pending transaction. I stressed to them that I am a victim of Identity Theft so closing the account would avoid further overdraft fees. I asked XXXX the same question and she said " the account at XXXX are all fees '' then contradicted what she initially said " the accounts not on XXXX are the accounts with overdraft fees. I still do not understand why they would hold overdraft accounts for 2 years then place it on XXXX. 

I would like bank statements from each account including paid off accounts. J P Morgan Chase would hold deposits to accrue NSF Bank Fees to make more money. Then have their collection department harass the customer. J P Morgan Chase has refused to provide information to clear up this issue. As a previous Chase Manager with a team, I know all the representatives in the call center and in the branches have a set quota for opening checking account and other products. If they do not meet the sales goals, they are placed on Corrective Action or terminated. Inside the bank and sales department were opening accounts and customer did not authorize the opening. Therefore, in an effort to meet goals they apparenting do not check their resources such XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Equifax had removed an account   XXXX    XXXX   XXXX  off my credit report. However I just viewed my report on   XXXX   XXXX   and it shows this account again.  XXXX   XXXX   XXXX  had confirmed that this information will be deleted from all  XXXX  credit reporting agencys. It was deleted and as of today it looks as though it has been re-inserted again. I spoke to corporate office at   XXXX   XXXX    XXXX  a few months ago and it was confirmed they would contact all  XXXX  credit reporting agency 's and have this information deleted. Having this put back on my report is affecting my credit score in a negative way. I am submitting this complaint about equifax because they should have never re-inserted this informaiton once they were notified it was to be deleted off my report.

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with NAVY FEDERAL CREDIT UNION (MD).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: I had a credit card with Navy Federal Credit Union since XXXX. I had got behind on my payment around XXXX and called their customer service Representatives to make payment arrangements. I paid my payments on time and out of nowhere Navy Federal Credit Union turn my accounts over to a collection company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2015 about Student loan (Non-federal student loan) with AES/PHEAA (GA).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: I currently have a private loan serviced by AES which was suppose sold XXXX, I fell behind on my payments the last payment made was XXXX 2015. I recently received a statement from the company asking for payment due by XXXX XXXX, 2015 called to make arrangements and the customer rep told it was sold to XXXX and now is in default. I never received any information about the loan going into default.

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 Experian Information Solutions Inc. (ME).
Issue: Problem with fraud alerts or security freezes

Complaint: I have been paying of this student loan for years now and it is finally at a low point. I had contacted a company called XXXX XXXX XXXX to help consolidate my debt and claims they were working through the Obama Administration. I paid this company a lump sum, and continue making low monthly payments for close to a year. This company had changed my address and phone number on my original XXXX account so they could n't contact me, so I never knew the loan was just sitting there hurting my credit. I am now trying to get involved in a class action lawsuit in hopes to get my money back. Currently I am looking to buy a home and this has hurt my credit extremely, therefore, it is only time that will help fix my credit score unless I can get this forgiven.

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 11-02-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I am divorced from XXXX XXXX XXXX as recorded on XXXX XXXX, 2013 in the XXXX County Circuit Court, KY. As part of my divorce decree, my ex-wife was deemed entirely responsible for a loan we jointly entered into when married. This loan is with XXXX County Bank and was a loan used to improve a house of which she has current ownership. Even though the payments are less than {$200.00} a month, she has not made them in a timely fashion. I realize that my name is still on the bank records for this loan, but my decree shows that this responsibility is hers and hers alone. The negative impact her continuing poor financial management is having on my credit score is unreasonable. I respectfully request that this entry is removed from my credit score. 
As a second item, I have worked quite hard to satisfy all outstanding debts to the creditors at XXXX, XXXX XXXX, and GLA. These debts are still showing as unsatisfied ; this is simply not true. Please correct these errors. 
Finally, I feel wrongly penalized for the credit inquiries I have had to request in pursuit of rehabbing my credit after divorce from my financially irresponsible ex-wife. How is a man who has served his country supposed to recover from the financial devastation wreaked by the person at home who was trusted to manage those finances if not by getting records and assessing damage? Please, is there any way to remove the negative rating these inquiries give me?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation