milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: I have tried to get my credit reports so that I can keep all information up to date, and have already reached out to all 3 major companies and have called and just get the runaround from all 3 credit reporting agencies. I have called multiple times during the last 14 days and no one can give me any information on how I can dispute the information on my profile. 
I have received notifications telling me that my SSN and name have been taken and have tried to get things challenged and have been told I ca n't do that by a woman named XXXX from XXXX. XXXX from TransUnion has told me the same thing and XXXX XXXX from XXXX said even if I sent them information to identify myself they would do nothing but keep my information for their own enjoyment.

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 Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: On approximately   XXXX   XXXX  . When I requested a new card and reported my husband 's death. They informed me since he was the main card holder that our points dropped from  XXXX  plus this month 's statement to  XXXX . I told them that they used both of our incomes when the card was applied for, but they saw his death as a way to delete some points that they would not have to pay out. On a phone call on   XXXX   XXXX  , I was harassed by them when they would not give me my account balance after I gave them all the information required. Every person I talked with was extremely rude and not compassionate at all. They used my husband 's death as way to make money.

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 04-08-2018 about Debt collection (I do not know) with CCS Financial Services, Inc. (NJ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I am never informed of this debt. I asked for proof of it thru signed documents. never received any proof. Also, it was placed on my credit report and it does great harm to my credit.I need this negative item to be removed right away.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2015 about Money transfers (International money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (AZ).
Issue: Money was not available when promised

Complaint: On XXXX XXXX, 2015 I initiated a bank transfer via Monoygram to someone in XXXX XXXX from XXXX. It was a direct transfer from my bank account at XXXX XXXX to my niece 's bank in XXXX. Moneygram reversed the name and unfortunately my niece 's bank rejected the transfer. I contacted Moneygram and they confirmed that the deposit never took place and promised to credit my XXXX XXXX account for {$100.00}. This happened more than 3 weeks ago and still no credit. I 've called three times and they promise me every time that my credit will appear the following day and as of yet, they have failed to issue a credit.

Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (VA).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: I am having an issue obtaining my credit report with  XXXX , Equifax and  XXXX . I have called all  XXXX  of the companies and they have told me that there is no block or freeze placed on my credit. When I try to sign up for consumer credit monitoring websites, I am receiving messages like : " Your personal information does n't match with credit bureau records ''. I am including a screenshot  of one of the websites for review. I need to be sure that the credit bureaus have the right personal information on file for me. I have researched this issue and I have come across several one  star reviews and complaints by consumers who have other persons ' information on my credit report and this is what causes issues like these. A bank was able to pull all  XXXX  reports for me back in  XXXX   2017  so I do n't know what has transpired since then to suddenly cause incorrect information to appear on my credit report. I am also going to include a copy of my driver 's license for the CFPB 's review with my current address and name. Please see attached.

Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (KY).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: My loans are now in default, but when I graduated and began repaying I would pay more than the monthly payment and AES would never credit the extra paid to the principal of the loan. They always put the extra on the next month 's payment. The fact that they applied money to the next month and not to my principal is illegal. I called them numerous times ( which I documented ), called the Department of Education to complain, and would even write on my checks, " The extra money should be applied to the PRINCIPAL of the loan. '' I tried to file a complaint with the Ombudsman at AES and never could get a satisfactory response. I eventually quit paying on my loans, because AES raised my monthly payment, and the principal amounts on the loans was never decreasing. I even contacted a lawyer about this situation and turned over copies of all my documents. By the time the lawyer got back to me and told me that I had a case, I had already quit paying my loans payments. The situation is a mess and has ruined my credit. I have no way of repaying any of it at this point, because I live in poverty and barely make enough money to pay my bills.

Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (IN).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I would like to file a formal complaint against the following company with in-corrected information or my credit report.  XXXX ,  XXXX   XXXX ,   XXXX   XXXX  ,  XXXX . I have been a victim of IDENTITY THEFT. I have notified the  Social Security Administration , State of Indiana and   XXXX   XXXX   XXXX   XXXX   XXXX   , Ohio State Attorney Office,  and the Federal Trade Commission. My brief case was stolen in  XXXX   XXXX ,   XXXX   inside the brief case were my license, social security card, check book, passport and credit cards. I filed a police report, with the  XXXX  Police Department. I have file a dispute with all the company name above. These account are not mine,  XXXX  and  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/28/2017 about Credit card () with AMERICAN EXPRESS COMPANY (TX).
Issue: Rewards

Complaint: The card ( American Express Business Card ) promised 3 % cash back on one selected category up to XXXX per calendar year. Amex did not pay me cash back for my advertising expenditures ( my selected category ) totaling over XXXX. They stated that despite the fact that the charges were made for advertising they would not give me the cash back because the companies like XXXX and XXXX XXXX and almost ALL other major advertising outlets do not code their transactions as advertising ( most are coded as business services ) ... I was not eligible for the cash back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Experian continues to report the following on my credit report resulting in deleterious results and/or ability to obtain credit and/or instant employment, to wit : US BKPT CT VA XXXX US Bankruptcy Court XXXX, VA XXXX Status : DISMISSED Experian continues to list the dismissed bankruptcy on my credit file. Experian 's policy is to keep reporting bankruptcies that are filed, dismissed or adjudicated for ten years. <P/>However, the Fair Credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. <P/>The law clearly states from, " date of adjudication '' or date of " order of relief ''. <P/>Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated. <P/>Therefore, Experian has no right to maintain information which the government has deemed nonexistent. <P/>Pursuant to Section 1681 ( a ) ( 5 ) of the FCRA, you must delete this information from my credit report and send me an updated copy when this action is completed. <P/>This action does not require an investigation ; I would appreciate your response within 14 calendar days from receipt of this letter.

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 05-03-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: My student loan is with  Navient w ho is Ina major lawsuit for scamming their customers. I feel as if they have cheated me on interest and hides fees. They ruined my credit and put me on deferment and other things that I did not ask for it just seems like I am never paying them off after I make my payments it just seems like it does n't make a difference. I think they are doing the same thing to me that they are doing to other students. I would like to see if I can get a student loan forgiveness. Because this is just getting ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2016 about Credit card () with AMERICAN EXPRESS COMPANY (CA).
Issue: Rewards

Complaint: XXXX XXXX has violated terms of service in award of MR points for the XXXX Platinum card. Points awarded on the card were frozen without notice, XXXX reps are unable to elaborate why, or provide a timeline for unfreezing. Point value frozen on the account is over XXXX $

Company response to consumer: Closed with explanation
Consumer complaint received 07-02-2015 about Mortgage (Conventional fixed mortgage) with PENNYMAC LOAN SERVICES, LLC. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: My lender PennyMac is not allowing us a short sell after we have submitted a completed package. 
At one point, we did have a loan modification but our financial situation changed and we could no longer keep that obligation. Needless to say, we have been behind on our mortgage payments and were recently informed of a foreclosure on our property. On the same day we were informed of the foreclosure, we contacted PennyMac to see if we could, again, qualify for a modification. However, we were infirmed we did n't, even though my husband recently graduated college, & is working full time as I am. After being declined for a modification, we suggested a short sale in lieu of a foreclosure, and were told that that would probably not happen because we had about 30 days before the scheduled foreclosure. We asked to give it a try as we believe a short sale is more advantageous to both parties. After speaking to several representatives at different times and days, we were finally told we could try, and to fax an authorization have our realtor have direct contact with them. Our realtor contacted them, completed ( with us ) the short sell package and forwarded it to PennyMac ASAP. 
We have been informed, as of today, that they could n't grant the short sell, although an offer was attached. 
We believe that a true and honest effort has not been done by our lender, but rather disregarded the fact that we are asking for an optional solution that can work for both parties. It seems to us as though this has fallen in deaf ears and we need your help to advocate or guide us with this situation. 
We understand if they say we ca n't afford this loan anymore, but we are not asking asking for something impossible, but rather an attainable and fair solution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-04-2016 about Student loan (Federal student loan servicing) with NELNET, INC. (OH).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: Nelnet parent plus loan XXXX/XXXX/XXXX statement : Original principal amount {$7800.00} interest rate 7.9 % total principal payments paid thru XXXX/XXXX/XXXX {$7400.00}. Total payoff amount thru XXXX/XXXX/XXXX {$1400.00}. My next payment due is late XX/XX/XXXX. 

I have called Nelnet several times to find out how this is even possible. I am told that interest is paid first. I know that and I am paying my interest and more than doubling my principal payments. How can I have to pay off more in principal than I borrowed? I can provide statements and payment history for review. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2017 about Credit reporting () with EQUIFAX, INC. (MT).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: On XXXX XXXX XXXX, I pulled a copy of my credit report from Equifax. There was a medical collection on it for {$360.00} with an unknown creditor. On XXXX XXXX, XXXX, I wrote to Equifax to dispute said alleged debt and asked for validation. Equifax responded on XXXX XXXX, XXXX, after the 30 day time frame, and indicated and updated that the alleged debt was for {$410.00} and that it was paid in full. Equifax did not validate said debt nor did they mark it disputed. To date, XXXX XXXX, XXXX, this alleged debt has never been validated nor has my credit report been marked " disputed '', but Equifax continues to report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/28/2015 about Student loan (Non-federal student loan) with TRANSWORLD SYSTEMS INC (WY).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I had XXXX defaulted private student loans. I have attempted to correct the issue with the business, but they have continually refused to speak with me since I live out of state. My father had cosigned on the loan and he is now against major legal action and he is scared to death ... I have attempted to work with the creditor, the court and various attorneys to correct this issue, but there is no one who is willing, or able, to help. I feel I am finally in a good financial place, but I am unable to work with this organization because they continue to refuse to speak with me. Because I do not have a legal background, I was n't able to defend myself properly, even though I did give it the best shot I could. I attempted to file a motion to dismiss with the court, but unfortunately it was denied. Again, I am willing to work on the issue with the creditor and have attempted in a variety of ways, but they have refused to work with me since they are filing their lawsuits in XXXX while I reside in XXXX. Attached are the requests I made to have the cases dismissed. The court denied both requests. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with Ditech Financial LLC (MS).
Issue: Loan modification,collection,foreclosure

Complaint: I was laid off by my employer for lack of work. I have requested a mortgage modification with my mortgage company Green tree several times for the last 3 years. They will not work with me to modify my mortgage. I was recently sent a property foreclosure sale notice to forecloseon my house XXXX XXXX, 2015. Ditech is my new mortgage company I did not receive a letter stating they were my new mortgage company. I want to keep my house and modify my mortgage. Please assist me with the mortgage modification. and postponing the foreclosure sale date. 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 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax was hacked and personal identifiable information including credit card details and social security numbers were accessed for 143 million consumers, including myself, according to Equifax 's own checker site. 

This complaint is in response to that incident. So far, I appear to be unaffected by any sort of crime, but I 'm keeping a close eye on my accounts and credit and want to make sure that should anything occur, that Equifax is held responsible.

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AL).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: I am trying to check my credit report and I can't even verify that it's me because I don't have the " correct '' answers to the verification questions. I believe someone has stolen my identity around XX/XX/2013 when my X-Box was stolen. I don't have any evidence that's it's me because it's been going on for so long without me knowing it. I have a military ID and a SS card to prove it's 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 01/26/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MO).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I heard about the law suit and wanted to thank you so much for doing this! I 've been so frustrated with Navient that I almost did n't believe it when I heard they will be finally held accountable for such unfair business practices! Here is my quick background : I graduated from XXXX school in XXXX XXXX with about XXXX $ in government- owned loans. In XXXX XXXX I was finally able to get hired as a XXXX for a XXXX XXXX XXXX company in Missouri. I have n't consolidated my loans yet and the interest rates varies between 5.6 % to 7.9 %. I 'm enrolled in income based repayment and owe about XXXX $! 

Here are my complaints : 1. The 0.25 % interest rate reduction ( offered to those who sign up for automatic deduction from checking account ) I lost due to missing XXXX payment should be reinstated! I was punished very expensively for not having sufficient funds one time only right from the beginig! Due to confussion, not clear communication and obtaining different answers depending on who was answering the phone, I never knew my exact due date. I was told by different Navient customer service representatives that I had many due dates because I had XXXX loans at that time and each of them had different disbursement dates, so some of them were due in XXXX XXXX, others in XXXX and others in XXXX XXXX. 
I called and tried to explain- but they said the interest rate deduction it 's not a right, but a benefit they provide by using Navient and not other company. 

2. I make XXXX $ / month after taxes. Navient wants me to pay XXXX $ a month as part of the income based repayment plan!!! At this rate, I would be debt free in my XXXX? I called so many times and asked them to please increase my monthly payment to about XXXX $ so that way the money gets distributed over all my XXXX loans including principal not just interest. Of course, I pay extra myself every month but my XXXX, how careless of them to just let people pay the bare minimum necesary and get stuck paying loans for the the rest of our lives. I also need to save for a downpayment on a home. I really hope I 'll be able to get a second loan for my first home. 

3. Navient please let students now that, if they are military spouses, and the XXXX XXXX spouse cosigns for loans, all those loans ' interest rate will be capped to about 6 % or lower. I realy wish I knew this. I could have saved so much now. I just borrowed without a cosigner. 

Thank you so much for reading this! Good luck and may XXXX prevail!

Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2017 about Student loan (Private student loan) with TRANSWORLD SYSTEMS INC (MN).
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: My attorney requested I reach out to you to advise that even though XXXX XXXX XXXX is in a large lawsuit regarding their collection practices on private student loans. They were advised to stop all collection attempts per an article in the XXXX XXXX XXXX until further notice and they are still calling to collect via a collector XXXX XXXX in MN

Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2016 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (PA).
Issue: Problems when you are unable to pay

Complaint: Was paying to much for a XXXX XXXX ( {$660.00} ). They reposed the car and sold it for {$16000.00} ) and I do n't think I should owe them anything for as much as I was paying a month, I believe they could have gotten the {$9500.00} that they want me to pay now. Ally Financial harassed me at my job and when I would call them they would speak to me very harshly. They would call my place of employment 2 to 4 times on some days every week. I want this bill removed from my credit report and a paid in full credit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (TN).
Issue: Other

Complaint: THIS ACCOUNT XXXX THE REST OF THE ACCOUNT NUMBER IS BLACKEN OUT ON THE REPORT PLEASE SEE ATTACHMENT. I HAVE WORKED WITH CAP 1 TO GET THIS REPORT CORRECTLY AND THEY REFUSE TO FIX IT. THIS ACCOUNT WAS PAID IN FULL WITH A XXXX BALANCE AND THEN CLOSED BY ME. BUT THEY STILL ARE REPORTING A BALANCE WHICH IS HURTING MY CREDIT SCORE AND INCOME TO DEBT RATIO.

Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with RentDebt Automated Collections, LLC (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: judgement should have been removed in XX/XX/XXXX for XXXX XXXX XXXX .

Company response to consumer: Closed with explanation