milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/21/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (IL).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: Navient is my loan servicer. I say mine because it is under false information. I made inquiries several times about the Parent Plus Loan I took out so my daughter could get a decent education because she was young and they would not provide one to her. I felt like I was lied to and strong armed into taking the loan. No other place to turn to and wanted my daughter not to worry about it I have found myself in {$80000.00} debt for my daughter 's education. I was told several times that the Parent Plus Loan may be  consolidated into her name once she graduates so she can build credit and the I would not be responsible for the loan. Only to find out that I ca n't do anything with this loan but have it weigh me down in my XXXX 's and I have XXXX other  children that I probably wo n't be able to qualify for loans now because I was always told we could put it in my daughter 's name. Now, what do I do??? I have tried talking to several people over there and they are so rude and not understanding at all. When I was almost in tears about all this debt ... I literally could tell the Representative was talking to another agent and basically laughing at my situation. My back is up against the wall and would like to find out how I can be included in this lawsuit because the information I received was wrong and was given to me just so I would take out all these loans. What has America come to that I have to struggle this much just to put my daughter through school. The deceit and disappointment I feel in our system is enormous and has put me in a deep and sour mood towards our government and the fair Consumer Act. I was not only treated unfairly, but was deceived into taking out this loan that I thought could be eventually in her name, and lastly is the whole system. Every other loan can be either be forgiven or put in a income based repayment plan but the parent plus loan is always excluded. I feel like I am being punished because I signed a loan so my daughter could better herself and get a career because she could not qualify for a loan. I should never of been qualified with my credit. They took advantage of me and I want to file a claim against Navient, the Federal Loan system, and the whole college loan crooks that pray on good and decent citizens that will never be able to get out from under these loans.

Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (NC).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: I was solicited directly in the mail by XXXX XXXX/Citibank to open a AAdvantage Platinum Select credit card.  As part of that offer, I was told that if approved and the card was issued, once $3,000 or more of purchases were made using the card my AAdvantage account would be credited with an additional XXXX miles.  This was the primary reason I applied for the credit card and the motivating factor for me to use this card for my purchases versus other cards.  After receiving the card and completing the required amount of purchases and paying the full amount of my credit card balance, the additional miles were not credited to my AAdvantage account.  When I called XXXX XXXX to find out why, they indicated that since I had previously had a Platinum Select card within the last two years, I did not qualify for the award.  There was no mention of that restriction in the solicitation and they were aware of my prior card when they solicited me by direct mail.  I consider this deceptive advertising and promising false incentives to induce me to use a credit card that otherwise I would not have applied for nor used.  Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/15/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: My credit report was provided to XXXX XXXX XXXX without my approval. I 've asked the dealership several times to reverse the hard inquiry without success. I need the inquiry removed immediately!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2017 about Debt collection (Credit card) with Alliance Data Card Services (TN).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: The debt collectors from Comenity Bank, who hold the debt for my  XXXX   XXXX  credit card, will call my cell phone on average 4 times a day. Beginning around  XXXX  EST and ending around  XXXX  EST. They keep calling and blocking the phone number. When I answer they do not wait for me to identify myself before they say " Mr.XXXXX you are behind on your Visa account ... .. " they do not even know it is me and they disclose this information. They will talk over me and are extremely rude. The repeated daily calls are harassing. They know my adjusted income since I have been laid off. I verified that with an account manager. They know and have updated information for me. However they will not stop with the calls. I filed a complaint with them this morning and they would not provide confirmation of said complaint. Only that it was " noted '' on the account. I worked as a debt collector for a few years and understand FDCPA. I also understand that they are violation it with their methods of communication, call times and frequencies and how they treat me on the actual call.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-04-2017 about Credit card () with JPMORGAN CHASE & CO. (MD).
Issue: Closing/Cancelling account

Complaint: In XXXX I was looking to do a balance transfer on a high interest credit card I had. I wanted to see what terms I would be given for the Chase Slate card so I went through the application process and wanted to compare the terms I was approved for to those of a loan from my bank. To my great surprise the account was opened without my authorization with terms that I did not find ideal. I called Chase and explained what happened. The representative said she would close the account. I specified that I did n't want the account closed since that would affect my credit. She acknowledged that and instead said she would cancel the card as if it was never opened. A month later, I checked my credit report and saw that my score dropped XXXX points because the account was, in fact, opened and then closed after XXXX day. I called Chase today, XX/XX/2017, to explain this situation. At this point I was simply trying to reopen the account so that it did n't show up on my report as an account that was open for 1 day, an attempt at undoing some of the damage that Chase did. After being escalated to managers twice and speaking with XXXX different people, I was told that Chase could n't reopen the account or do anything for me. I explained that Chase damaged me twice by first opening the account and then closing the account without my approval. The account XXXX again reiterated that there was nothing they could do because the account was marked as " voluntarily closed by customer. '' I told her that was incorrect and, technically, fraud since I never asked for the account to be closed. She then hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2015 about Debt collection (Credit card) with ROCKY POINT CAPITAL LLC (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I was a victim of identity theft, I have already closed accounts that were opened fraudulently using my credentials. I was contacted in XXXX 2015 by XXXX XXXX XXXX of Rocky Point Capital informing me that I would have to give an official statement for some " trial '' immediately. I informed him that the debt was fraudulent and emailed him a copy of the police report on XXXX XXXX, 2015. He gave verbal confirmation that he had received the police report, that the debt was verified as fraudulent, and that it would removed from my record and the case closed. On XXXX XXXX both my mother and I were contacted by XXXX XXXX XXXX from the XXXX and XXXX debt collection agency who informed us that his firm had been retained by Rocky Point Capital to seek payment for the debt. I emailed them about this matter on XXXX XXXX and received no response.

Company response to consumer: Untimely response
Consumer complaint received 09/14/2016 about Credit reporting () with EQUIFAX, INC. (LA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Equifax has an account ( XXXX ) listed on my consumer report that is derogatory. The account has been closed for over 8 and a half years and they refuse to remove it from the report.

Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (CA).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I had Citi credit card for more than 10 years. I have arranged to receive a paper statement and never want to change it to paperless. How ever whenever I use the card, Citi Card company repeatedly changes the statement to paperless and failed to send me a paper statement. As I dont use online statement, I repeatedly called them and told them not to change to paperless. Immidiately, they start to send a couple of statements and then they stop again and again more than ten times. By not sending a reminder statement, they have collected late fees and interest unfairly. They have also adversely affected my credit rating. Why do the government let Citi card get away with such bad business practice?

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 02-06-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with The CMI Group, Inc. (HI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: XXXX accepted multiple accounts opened in my name by indetity theft. my name is XXXX and it was opened under " XXXX - a clear indicator this was not me. I have all the paperwork and police reports dating back to XX/XX/2012 when this started, however XXXX still has these accounts in collections which is effecting my credit. please help, how can i resolve? Can i send this paperwork for you to review? i can not reach anyone at collections agency to help me get this removed from my report

Company public response: Company disputes the facts presented in the complaint
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: Problem with fraud alerts or security freezes

Complaint: I am writing to expose the misconduct and unexplainable behaviors of Equifax. Both my wife and I had are personal information compromised over a month ago and are just learning about this security breach in early XXXX. This is unacceptable and has put our livelihood and safety at stake. I sincerely hope strong actions are taken against this reprehensible organization and its officers. 

Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2018 about Mortgage (Conventional home mortgage) with Seterus, Inc. (MD).
Issue: Struggling to pay mortgage

Complaint: I acquired my family home when my mother XXXX XXXX in XX/XX/XXXX 2016. She left the house to me through a deed of trust that she established many years earlier. I have an existing mortgage. When I informed the mortgage company, Seterus Inc. that my mother passed away, and I informed them of the deed of trust, I was told that I could not become " owner '' of the property unless I moved into it as a primary residence. I was also forced into an assumption mortgage although the property was mine legally through inheritance. I moved into the property, making it my primary residence although I had a home with a mortgage, made payments through a " trial '' period for a property that was already legally mine, and suffered through all of the unnecessary processes that Seterus presented.

Recently I got a new job. It is a better paying job that will more easily allow me to pay two ( 2 ) mortgages- my own and the acquired mortgage. While waiting for my first paycheck, I fell behind on both payments. My own mortgage company understood and is working with me. Seterus is quite another matter.

I need intervention so that I can keep the property to do with it as I please. There is a considerable amount of equity at stake that I feel Seterus is aware of. I also believe this awareness motivates how they are handling the entire situation. I will not lose this house.

Resolution : Seterus should provide a real modification, not the in-house non-sense offered. The current principle and interest are only {$30000.00}. My payments are over {$900.00} per month. Outrageous.

Signed, Frustrated

Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: All three major credit bureaus, XXXX, XXXX, TransUnion. Have refused to erase fraudulent accounts as well as accounts 7 years prior and older on my credit report repeatedly unlawful updating, and refusal to delete after these accounts have not been verified as my accounts. Theyre refusal to identify these fraudulent accounts have brung nothing but hardship on my life after I have done everything by law to dispute these accounts. These fraudulent accounts and 7plus years accounts on my report are as followed : XXXX XXXX XXXX acct # XXXX. XXXX XXXX acct # XXXX. XXXX XXXX XXXX acct # XXXX. XXXX XXXX acct # XXXX. XXXX XXXX XXXX XXXX acct # XXXX. XXXX XXXX XXXX XXXXXXXX acct # XXXX. XXXX XXXX XXXX acct # 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 08-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: I have attempted to contact all three Bureaus to remove delinquent accounts from my credit report. I have shown proof that my identity was stolen ( with the attached documentation ). I requested that each company show me PROOF of how each account was validated or remove them from my credit profile. I was contacted by each company with only a copy of my credit report and no other useful information. These delinquent accounts were NOT removed and there was no evidence of a " reinvestigation '' or results.

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 01-12-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: On XX/XX/XXXX I booked a flight to XXXX, XXXX, ( Ref # XXXXXX/XX/XXXX XX/XX/XXXX credit card statement ) with a travel agency I found online, XXXX AirTKT. I called the agent and I thought I booked a ticket and I gave them my credit card information and was charged {$1300.00}. He gave me a travel agency confirmation number but not a final confirmation for the airline. He promised to email this information to me immediately but I never received it. I called the travel agency several times on a toll free number they were able to see my number and was placed on hold for up to 15 minutes at a time, but each time the call was disconnected. On XX/XX/XXXX the third time of sitting on hold I decided to call Bank of American Credit Card division to cancel this charge. I then booked a flight with XXXX XXXX, Ref # XXXX. 
Several days after the charges were reversed, I begin to receive a flurry of unfamiliar phone calls from an XXXX area code. I dialed the number back and it was the travel agency and I explained to the travel agent that I had not received the information as promised and I had cancelled the flight reservation. I saved the voice mail from the travel agent saying that it was not a problem and that he would cancel the reservation if you care to hear it. 
I would not have booked a more expensive flight days later with XXXX XXXX had I received the flight information as promised or if someone had taken my phone calls, nor was I able to leave a voice mail.. I saved the voice mail from the XXXX XXXX agreeing that a refund was not a problem and that he would cancel the flight. I have recently researched this XXXX XXXX and have found out that this Company is not registered to do business in the XXXX of California. I have called XXXX XXXX six ( 6 ) times and now told me that too much time has passed after the refund was approved and refunded back to my Account. XXXX XXXX mailed a letter asking for my explanation of what happened but the letter was ( 2 ) two weeks old when I received it. Once I received the letter I responded in ( 2 ) two days and followed up with a phone call to get an Email Address or Fax number to send my response and I was told that the only way to return it was by mail. 
In conclusion, I would like to know how a major Corporation, Master Card and a XXXX XXXX is able to conduct business in California without being Registered to do business in the State of California or the united States, nor has a Registered Agent in California or the United States. I have no remedy to resolve this matter as I have called XXXX XXXX at least six ( 6 ) times. I would also like to know what my options are to remedy this matter.

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 05/17/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (IL).
Issue: Account opening, closing, or management

Complaint: I received a promo in mail from Citibank to open a citi gold account make two bill-pays every month for 2 months and i will receive XXXX citi thank you points. 
after 3 months i received the points but before i had a chance to use them they closed my account and removed the points

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 10-04-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ONLINE Information Services, Inc. (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I owned a house in XXXX, XXXX while in the military. I XXXX XXXX and moved to XXXX, XXXX. I did not close on the sale of the house I owned until XXXX XXXX, 2016, I received my final bill from XXXX water and sewer and paid the remaining balance in a timely manner. I did not receive my final bill from from XXXX XXXX, it is now showing on my credit report and, from what I am told, will not be removed from my credit report for 7 years. I am not disputing that I owe the amount that was disclosed. I want to dispute the fact that I was not made aware of the debt owed in a timely manner for me to satisfy it. I was not made aware of the debt until I applied for a home loan. Again, I take responsibility for the amount owed, but I was not given adequate time to satisfy it.

Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2016 about Credit reporting () with Experian Information Solutions Inc. (MO).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I disputed to issues on my credit report. Providing proof both claims were paid in full and one as false account/loan number I did not sign a contract.

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 06/28/2017 about Debt collection (Other debt) with National Credit Systems,Inc. (AL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I paid off the balance to National Credit Systems. When the item was placed on my credit in 2016, I was not aware of this debt or this collection agency. I told them this was unfair because I had not been contacted by them or even been given a chance to correct the issues before being put on my credit report. XXXX, the company representative stated that it would be removed from my report when paid in full. I paid the balance in full. However, it is still on my credit reports - all 3 bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (DE).
Issue: Closing/Cancelling account

Complaint: My credit cards has been cancelled by Capital One. I have XXXX different accounts with Capital One. Upon learning that my cards were cancelled I immediately contacted them to find out why. XXXX card I understood their decision. As for the second card, I have had the account for 4 years, 11 months. I have NEVER been late. Last month a fraud issue effected my bank account. My bank account ended up being overdrawn as a result until it was investigated. At that time, I was unable to reverse the payments I set up because they were already processed through Capital One.This caused the payment I sent to Capital One to be returned unpaid. This was the first time I had a payment returned on this account. As a result of the returned payment they closed the account. When I asked the fraud department, whos name was XXXX ( employee ID XXXX ) she said even though this is the first returned payment on this account, my checking account was also used to pay a payment on another credit card that was also returned, so the investigator closed both accounts. Is this really legal?? How does the status on XXXX account affect the other when they are totally unrelated? Why would a company close a account that has never been late with its first return payment almost 5 years after it was opened? I read the Credit card agreement from Capital One and read the Credit Card Act signed by Obama and it does state anywhere that XXXX account will be closed based on the status of another account. I find this to be illegal. This has jeopardized my credit reports which is now going to keep me from buying a home after saving and working so hard to be in a financial situation to buy a home for my children.

Company response to consumer: Closed with explanation