milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MI).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: I would Like to file complain against XXXX and Experian which are credit report company. I called them to dispute hard inquires on my credit reprot and they want me to call each company on my report. I did call some of them and some companies will send letter to dispute and some will not. My name is XXXX XXXX Email address is 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 05/27/2016 about Debt collection (Credit card) with Army and Air Force Exchange Service (TX).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I received a bill for collection with XXXX amount, and when I made contact with the collection company the amount had changed to a totally different amount, {$6700.00} to {$8200.00}, I 'm on XXXX and want to pay this bill off and this company is taking advantage of my situation, I also received a letter from the social security stating that starting on XXXX 2016, my XXXX would be garnished at the rate of 15 % until the balance is paid and tax return would be garnished by said company, this company is out of control and I need a resolution, I called my credit card company and they no longer have my file and can not access it, the lady informed that I need to follow up with third party collection company and the lady stated she could not find any payments made to my account, and any payments made prior would not show on their side, so who is responsible, I realized I owe the balance but there is no reason for this company to take advantage

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-03-2016 about Bank account or service (Other bank product/service) with PAYPAL HOLDINGS INC. (TX).
Issue: Account opening, closing, or management

Complaint: Recently my account at Paypal was shut down. While they do n't have a word on why I was shut down, they decided to keep my money locked in the account for 180 days. This is outright thievery. They do n't have the right to keep my money under their name.

Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2016 about Mortgage (Other mortgage) with WELLS FARGO & COMPANY (AZ).
Issue: Application, originator, mortgage broker

Complaint: Sirs-I am a XXXX here in Arizona and understood that under the new regulations you in part promulgated that we are not allowed to give discounts to our fees for any mortgages we originate. The reason I say this is that as you can see from the attached Wells Fargo, our competitor, is doing just that with the XXXX XXXX XXXX. If this is allowed then are we allowed o do the same to groups such as these? I have heard as well of other companies doing this for emergency first responders, teachers, etc., ( I can furnish names of these companies is need be ). We would like to do the same. Please advise.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2016 about Credit card () with Echelon Financial, Inc. (MA).
Issue: Unsolicited issuance of credit card

Complaint: The company XXXX use my credit card for XXXX for 3 months and have all my information I never give them my information or buy their services. I cal them 2 times to explains what was happened and they say that the XXXX will go back to my credit card and all my information will be delete from that company I never received the money back to my account and also start to received a lots of calls and email offering loan and other credit card all this email have my information I never give to any of this companies.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MD).
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: Account was paid ; however, tradeline have n't been removed by XXXX XXXX XXXX XXXX and XXXX XXXX XXXX according to our agreement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/15/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with FIFTH THIRD FINANCIAL CORPORATION (FL).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint: I did a 0 % balance transfer on one of my credit cards. The card had a XXXX balance prior to this transaction. I paid the first month 's minimum payment and then on the second statement after the balance transfer I was charged {$1.00} in interest. 

I called and spoke with two representatives at the bank and they both indicated that the 3 % balance transfer fee was not paid off after the first statement so now that fee is treated as a purchase. 

So the bank is charging me interest on a fee that they charged me. The bank is indicating that if the fee is not paid completely after the first statement it becomes the equivalent of a purchase. This is not indicated anywhere in the literature. Every time I 've done a balance transfer with any other card the transfer fee becomes part of the 0 % interest. 

Obviously it 's not the {$1.00} I 'm worried about, its the principle that the bank is charging me interest on the fee that they charged me as if it were a purchase. This seems to be a very poor way of doing business.

Company response to consumer: Closed with monetary relief
Consumer complaint received 11-12-2015 about Debt collection (I do not know) with Navient Solutions, LLC. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: For the last few weeks, we have gotten numerous calls, from Navient. They ask for a person named XXXX XXXX. I tell them no one by that name lives here, and to please take my name off the list. They agree they will, then the next day they call again. This has happened at least 4 times that I remember. 

Today, an operator named XXXX told me that XXXX has given them our number as a contact. I said, " So you can contact him at another numer, why do you keep calling me? '' She refused to answer. 

She called from an office in XXXX, and from Navient 's website, I see they service student loans from that office. Her supervisor is XXXX XXXX, XXXX Collections Manager.

Company response to consumer: Closed with explanation
Consumer complaint received 05/28/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (MA).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I took out my student loans from XX/XX/XXXX-XX/XX/XXXX and used XXXX XXXX XXXX  for my Federal and Private Loans. When I started repaying the loans back in XX/XX/XXXX, XXXX XXXX was the company who I dealt with for repayment. I stayed with XXXX XXXX for my Federal loan until XX/XX/XXXXwhen I submitted my first paperwork for the Public Service Loan Forgiveness Program.
I was told I did not qualify as my loans were not through an approved servicer so I switched to Fedloan Servicing for my time to count. I worked for the XXXX XXXX XXXX XXXX from XX/XX/XXXX-XX/XX/XXXX, the XXXX XXXX XXXX from XX/XX/XXXX- XX/XX/XXXX, and now the XXXX XXXX XXXX ( XX/XX/XXXX to present ). I worked as a XXXX in all three offices so I should qualify for PSLF program.
As the PSLF program was created in XX/XX/XXXX, I believed that I should qualify for at least 13 payments ( XX/XX/XXXX to XX/XX/XXXX ) for my XXXX XXXX XXXX XXXX time, 24 payments for my XXXX XXXX XXXX time, and 21 payments for my XXXX XXXX XXXX time. When I submitted my first PSLF form in XX/XX/XXXXI was told none of my previous payments counted as I was n't part of Fedloan Servicing and payments I made to XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX did n't count as XXXX XXXX was not an approved loan servicer.
When I took my loans out, the Federal government did not service loans and did not until years later. There was no notice that my payments did not qualify so until I got my rejection notice in XX/XX/XXXX, I did not realize that my payments did not count. I believe I should have almost 4 years in towards my loan forgiveness plan, but I am only getting credit for three years of payments.
I believe Fedloan Servicing should count the payments I made prior to switching to them.

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (MD).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: I applied for the American Express Platinum card with American Express and got approved for the card on XXXX XXXX, 2016. The signup bonus of this card is receiving XXXX Membership Rewards by spending {$3000.00} with the card within 90 days from opening of the account. I met this spending requirement and received XXXX Membership Rewards on XXXX XXXX, 2016. As I noticed the card was not as good as I expected ( for example, the card was unexpectedly not widely accepted by many stores when I was traveling in XXXX, but I could use any Visa or Mastercard credit card ), I asked to close this account in early XXXX, 2016. Before I let the Amex representative to close the account, I asked the representative if I would lose the XXXX Membership Rewards after the account was closed. I was assured by the representative that no Membership Rewards in my account would be lost, including these XXXX Membership Rewards, as long as I kept my Amex Premier Rewards  Gold card open, which could keep all my Membership Rewards in my account. After getting this promise from Amex, I asked the representative to close the Platinum card, and kept using my Premier Rewards Gold card ( ending with XXXX ) until now. However, to my great surprise, I found after my Platinum card account was closed, XXXX Membership Rewards were removed from my account on XXXX XXXX, 2016, shown " adjustment ''.

Company response to consumer: Closed with explanation
Consumer complaint received 08/30/2015 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Re : Kohls Dept. Store. I made a small purchase of {$100.00} on a Kohls credit card. I paid off the balance on the first XXXX bills received, but the payments were late -- I believe that the bills came late. 

Kohls has been piling on exorbitant late fees since then, now well over {$100.00}, and further : they have been calling me **at XXXX literally every Saturday** for a couple of months, and now on Sundays as well, even though I 've told them on the phone to stop. This is harassment and a grossly excessive tactic, given the small amount in dispute. These are " live '' calls -- I also get XXXX calls daily on weekdays which I believe are robocalls. 

I charged {$100.00} at their store -- it does n't entitle them to ruin my sleep indefinitely. I will be sending them a letter asking them to stop the calls, but the very fact that they do this deserves notice and a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (MI).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: I had auto-pay set up with my Bank of America ( BoA ) travel rewards card to pay for the " amount due '' since XX/XX/XXXX when I first obtained the card. The setting was never changed and payment always went through correctly paying the full amount due until XX/XX/XXXX when suddenly only {$25.00} ( " minimum due '' ) was drafted. I was charged a fee. I called BoA and had a 3-way conversation with Bill Pay and credit card, I paid the rest due and was told during this conversation that to have the full amount paid, I should check " statement balance. '' Although I find it odd ( why was the minimum was paid when that was never the selection ), I followed the recommendation and changed it to " statement balance ''. The fee was refunded as promised. However, in XX/XX/XXXX, {$1900.00} was drafted from my XXXX XXXX checking to pay for {$320.00} on my balance. Thus my account was over-drafted for {$1600.00}. I called BoA when I discovered this 3 days after it happened on XX/XX/XXXX, and was told that they can refund it but it 'll take 5 days. After I noted that this should never had happened in the first place, the manager I spoke to said it 'll be expedited to 24-48 hours. Today is XX/XX/XXXX and BoA still owes me {$1500.00} ( after deduction to pay for a recent purchase ).

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 09-01-2016 about Mortgage (FHA mortgage) with PHH Mortgage Services Corporation (PA).
Issue: Loan modification,collection,foreclosure

Complaint: My credit was destroyed by my mortgage company. I have tried to dispute the incorrect I formation online. It started XX/XX/XXXX. I started to fall behind due to divorce, and no help from ex spouse. I was 2 months behind XX/XX/XXXX, went to make the full payment and they sent it to the lawyers. I called their lawyers and they refused payment. They said I had now to do a modification. I told them I did n't need one. They said it was too late and there was nothing I could do. Then I fought with this company for over 6 months doing this modification. My point of contact by email would never respond. I would scan and send all the requested documents. Then weeks would go by with no replys. They would then say my information was outdated and make me do it again. I was served foreclosure papers in the meantime of this mess. Went to court twice, with all of my documents. I started forwardingredients their lawyer everything I sent them as proof I was doing it. This just dragged on. They finally completed their what I feel was a huge scam. I owed close to what the original loan amount was after 9 years of payments. My loan amount was {$82000.00} in XX/XX/XXXX, i owe {$77000.00} now XX/XX/XXXX..HOW?? They just " applied '' over {$1000.00} credit to the account from a review of this mess. Never with any calculations as to how this came about. PHH had a lawsuit against them filed in NJ that I called to join, but was n't returned. It was for the SAME issue. They were told to settle with clients they have done that to. Please help fix my credit. Thank you kindly! This company has not handled themselves in a law obeying manner. Looking back I should have done more to fight. But I was so consumed with the kids after the divorce, and myself an XXXX Veteran who has not faired well since I returned home in XX/XX/XXXX. Thank you again.

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2017 about Consumer Loan (Vehicle loan) with FIFTH THIRD FINANCIAL CORPORATION (NC).
Issue: Managing the loan or lease

Complaint: I have an auto loan with Fifth Third Bank. My payment was made on XXXX/XXXX/17 - BEFORE it would be considered late. I physically walked into the Branch and made the transaction at the Teller window and I have the receipt. I received a letter XXXX/XXXX/17 stating my payment had not been received and have been receiving collection calls for the account even though I have contacted the bank ( on several occasions since XXXX/XXXX/17 shortly after receiving the letter ). Several times, they have been told to stop making collection calls - by their own manager - and they continue to call me daily. They are still " researching '' it as they can see I made my payment ( they have place a copy of the receipt in the request on my account ). They have lost my check. I 've offered to provide a replacement check if they would pay for the " stop payment fees '' on the check they lost ( which they tell me they probably ca n't do ). If they do n't post my payment by XXXX/XXXX/17 it will be considered 30 days late and they will report a late payment to my credit ( I have NO LATE PAYMENTS on my Credit ) but assure me that since it is their fault, they will have that removed. I do n't believe them, I do n't trust them since this has been ongoing since XXXX/XXXX/17 and they are " still researching '' the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2018 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (CA).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: XXXX is nothing but a rip off sham. They have been cheating me with {$20.00} a month interest only XXXX XXXX dollar balance regardless if I make a payment. OBVIOUS this can not be legal. This crytic flim flam billing is criminal to say the least. PLUS they deliberately do not answer the phones. Irrefutable they are conniving thieves being evasive and deceptive. THIS is a worthless store credit card. Countless complaints online same scam!!!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CO).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: A bankruptcy is being reported in my name from  XXXX   XXXX     2010  and this information is not correct.   I have confirmed that the court system does not report this information.

Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PA).
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 XXXX is report erroneous things on my credit report. They have harassed, threatened me, called my work place and relatives on a debt I do not owe! I have written them 3 times asking for proof of debt and they have yet to provide me with ANYTHING. After calling XXXX and Experian the representatives told me the way they verified this account was by asking XXXX XXXX if the info is indeed true. All they did was ask and took their word for it! And they have yet to show me how I owe this debt! No PROOF at all! What a disservice they are doing to the public by blatantly admitting that they " take their word of the reporter ''. How are things ever going to get fixed if the person paying you is supplying incorrect info to my file and you just take their word for it!

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 02/22/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NJ).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: After I got divorced in 2009, I decided to return to school and got my XXXX in XXXX. By the time I finished school, my loans were approximately {$30000.00}. Unfortunately since that time I have been in financial distress and unable to repay these loans. I was advised by both XXXX XXXX and Navient that I should go into " forbearance '' until I was more financially stable. Well, with today 's economy that never happened and my forbearances have been depleted. Navient has informed me that my payments will be well over {$900.00} a month and there is NO WAY I am able to afford that. I started by loans in the amount of {$30000.00} and these loans are now up to $ 80,000+ because of these unjust fees being charged by Navient! I am XXXX years old and there is NO WAY I can afford to repay that amount of money and the customer service at Navient will no cooperate in any way shape or form. I recently heard of the civil suit against these XXXX companies and was wondering if there is anything or anyone that can be of assistance to me. I am in dire need of HELP!

Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2017 about Debt collection (Medical debt) with CMRE Financial Services, Inc. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: On XXXX/XXXX/XXXX I was called in regards to a {$51.00} bill presumed to be my responsibility. I had asked the representative what this bill was in regards to. It was from a medical bill on service date of XXXX/XXXX/XXXX for an emergency room visit. I had explained to the representative that my husband is XXXX XXXX XXXX and we are covered medical insurance. Representative had stated that I still had patient responsibility of {$51.00} after insurance pay out. Asked if I could phone insurance company to verify and see what the discrepancy is. Called medical insurance and they stated that original biller had input the medical codes incorrectly and I was being double billed. Insurance agent stayed on the line as I did a conference call back to collection agency to clear this issue. I was hung up on and spoken to disrespectfully with insurance agency as a witness to verify how I was treated. Insurance agent and myself got very frustrated and frankly also was appalled by their actions. We tried to explain how to fix it after 3 attempts at calling with rude language and getting hung up on. I then asked if I could get information of original biller so I could work directly with them and was rudely told good luck finding their information online. Completely unprofessional practices when trying to resolve an issue.

Company response to consumer: Closed with explanation