milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
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: RE : Un-Verified Accounts Pursuant to the FCRA & the FDCPA I am writing this complaint to exercise my lawful right to question the validity of debts that has been entered on my credit file and claims to have become due, derogatory and negative. According to the FCRA, if a credit file is going to be reported on a consumer 's report it has to be properly verified by the credit bureau. The FCRA states that the bureaus are the ones that have to keep this verification on file. I am well aware that under the FCRA section XXXX disclosures to consumers, a credit reporting agency is not required to remove accurate derogatory information from my file, unless the information is outdated under section XXXX or can not be verified. All three credit bureaus have placed this information into my credit file with NO VERIFICATION! Nothing has been done as to whether these accounts are valid, hence they are Unverified! 
I understand that credit bereaus has violated my rights to report these items on my credit report! Fair Credit Reporting Act XXXX FCRA XXXX protects me and governs the activities of XXXX reporting Agencies and regulates how they report information about me. They are required to have copies of the original signed credit application in their files, which they have failed to provide to me. Each time I dispute these XXXX entries it has come back as verified within a few days, which further lets me know that you have not fully verified these accounts. You are required to have a copy of the credit application that I signed when I supposedly opened the credit account with the creditor on their files. You have failed to show that your agency verified the information and the accounts belongs to me and to show that your agency verified the information before you placed it on my credit report by identifying the proper identification required ( driver license and SS card ) + a written contract/request identifying 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 04/27/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with SYNCHRONY FINANCIAL (LA).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: Care Credit is a type of medical credit card, I believe Syncrony bank backs it ( their site says they are in FL ). I have had the card sin ce 2014. Part o f what Care Credit offers is deferred interest for a period of time, i.e. deferred interest on your medical procedure cost for 6 months, or a year, etc. As long as you pay off the balance prior to the promotion 's exp. date you pay no interest.  Since 2014 I h ave always paid off the balance before the exp date. I just realized though that they have been charging me interest each month for over 2 years. I called and they said its because back i n 2014 I h ad a late fee. And despite my account being on auto draft ( i.e. THEY are taking my payment each month themselves and applyi ng it ) th ey have not applied a dime to the late fee or to any interest ( so that they could continue gouging me of course ). So they 've been charging me interest on the late fee from 2 years ago. Which I did n't  know one cou ld do that, but anyway I said OK I 'll just pay the late fee - however they now claim that the interest kept going, and that they will continue to charge me interest each month, ON THE INTEREST that had previously accumulated on that ( now paid ) late fee in the past! My attorney suggested that I start by reporting this to the FTC / A.G. 's office - I have submitted this to the FL Attorney General 's office as well.

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 01/27/2018 about Credit card or prepaid card (General-purpose prepaid card) with NETSPEND CORPORATION (TX).
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint: Received unsolicited prepaid card by mail on XX/XX/2018. cardholder agreement under fee schedule states '' If you do not register your card and your card remains inactive, we will access the Account Maintence Fee Listed below beginning 90 days after the date the card was acquired. '' called to remove account but was an automated call with no way to verify it was removed. E mailed to the listed email address to decline card but address was invalid.

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 10-06-2017 about Student loan (Private student loan) with Navient Solutions, LLC. (PA).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: I have been working for years to pay off my student loan debt through Navient. I paid {$230.00} a month for about 2 years with a payment option that i was struggling with. In XXXX of XXXX i was sent documents to fill out to continue my payment plan. I filled them out and emailed them as instructed and they never continued with my payment plan. So, in XXXX of XXXX i had called to refinance this payment plan because it was too much for me to pay. My loan was in default and then forbearance. I have called multiple times to try and work out a payment plan that would not leave me penniless and unable to pay my bills, but they would not let me make payments under a certain amount. My loan total has not gone down despite my years of payment under their suggested payment plan. I simply can not pay their minimum payment to get my loan out of forbearance because i do not have the funds. I was told to make a counter offer and they did not accept it. During the summer months they sent me notices of impending litigation. After those notices i received notices to refinance again. My loan total is {$36000.00}. It has never changed despite my payments. This company does not care about their borrowers financial status. Their repayment options are not helpful in the least. Their financial counselors are terrible. They want to take all of your money and do not care if you do not have any left to pay your bills and life your life in general. I am tired of the harassment of letters and calls. Trying to negotiate a reasonable repayment option is impossible.

Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2017 about Mortgage (FHA mortgage) with JPMORGAN CHASE & CO. (TX).
Issue: Trouble during payment process

Complaint: Our mortgage was purchased by Chase Bank in    XXXX   XXXX   , in    XXXX   XXXX    they paid    XXXX    and County  taxes in the amounts of {$2300.00} and {$2000.00} out of my escrow account. These amounts were not for my taxes, they paid someone else 's taxes and took my escrow account negative. I contacted  Chase  and spoke with them the last week of    XXXX   XXXX   , they said it could take up to 90 days to get the refund.  XXXX  then sold the loan to  XXXX   XXXX  at the beginning of    XXXX   XXXX   . I have contacted  XXXX  on multiple occasions, they said on    XXXX   XXXX    that checks had been mailed to the new loan service company in   XXXX   XXXX  , VA. I contacted   XXXX   XXXX   and they have not received the checks. I then contacted  Chase  to find out if the checks had cleared, I was then informed that it would take days to find out if the checks had cleared. At this point, I need the funds put into my escrow account at  XXXX   XXXX  ( which is still showing a shortage ) - preferably Chase mails the checks to me directly so I can put the funds into my escrow account on my own.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (PA).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I 've had student loans for about 8-9 years. In this period I went from XXXX XXXX to Navient. I have 6.8 % interest and XXXX loans all for XXXX XXXX. Before I was able to get my papers starring I completed XXXX I needed to pay almost {$1000.00} out of pocket on top of the loans. I was told I had job placement guarantee, I did n't. I was a XXXX mother on welfare and they fought me on deferrment, charged me interest and fees. When I finally started to get on my feet, and my loan WAS in deferrment finally, they took an entire $ XXXX income tax check I was relying on for a home. No notification, nothing. Now, 4 years after that happening and me paying on the loans from working ( not what I went to school for ) I still owe almost {$5000.00}. Navient sends you emails telling you about government grants to pay the loans, government loan forgiveness, and forbearance to those who qualify. But where is the information at for these? Who decides this? Where are we supposed to apply? I eventually was able to get a home, and almost lost mine in part of my student loan debt.

Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Hard Inquiries Pull on Account Back to Back- When you apply for a new credit account, a hard inquiry will usually get added to your report, which can make a dent in your score. Here are the inquiries on your XXXX report. 

XXXX XXXX BANK XXXX : XX/XX/XXXX - Bank ( XXXX ) XXXX See an error? 
Find out how to dispute a hard inquiry Institution Information XXXX XXXX BANK XXXX XXXX XXXXXXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX XXXX BANK XXXX : XX/XX/XXXX - Bank ( XXXX ) XXXX See an error? 
Find out how to dispute a hard inquiry XXXXnstitution Information XXXX XXXX BANK XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SANTANDER CONSUMER USA HOLDINGS INC. (IL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: In the year 2017, I was taking a look at cars through " XXXX XXXX XXXX XXXX XXXX '' and I realized the company ran my credit through financing companies I did not know about or ask for. The only thing I requested was for them to run my credit through XXXX XXXX on XX/XX/2017. 

The companies they applied for ( without me knowing ) left me with a lower credit score. Hard inquires will stay on my credit report for about 2 years but I would like the freedom to be able to apply for more credit without deducting too many points from my score. I am very mad that they did that to me without my consent. 

My complaint is that I would like the following Hard inquires removed from my credit report : -XXXX  XXXX XXXX, XX/XX/2017 -XXXX XXXX XXXX XXXX XX/XX/2017 XXXX, XX/XX/2017 - XXXX XXXX, XX/XX/2017 2017

Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (VA).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: In XXXX 2016 I started to become ill back-to-back. I began missing work. My XXXX missed an XXXX I found out I would need XXXX which would be expensive even with my insurance. I called XXXX XXXX and XXXX to see what my options were as I would not be able to afford both at the same time. My loan payments almost XXXX XXXX or more with navient. I explain to them the situation and was on the phone for an hour being bounced around departments because nobody could help me because my loans were not currently late. no they 're not late I 'm trying to avoid them being late and ruining my credit. Finally I in tears spoke to a woman named XXXX on a crisis team who told me she could not help me because they were n't late but she said that I should just take 3 months to save my money not answer the phone when they called and as long as I did n't go over the three months my credit would not be harmed. This was false. I have a ton of late charges and it has been reported to the credit agency. My main complaint is that navient would not work with me until my loans were late and they still are not offering any help. I am a single person there is only XXXX income and I have been ill. My loans have stayed up to date until this issue and navient was unwilling to work with me. They literally word for word told me that they could not help me because I was not late yet when I asked about getting lower payments or anything like that they said they could not look at that until I was late when I explain my hardship about my tooth and my illness they said they could not offer me any help my loans were still due at the full amount

Company response to consumer: Closed with explanation
Consumer complaint received 01/15/2017 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Consumer disputed debt and requested proof to validate alleged debt ( Collector to provide original creditor 's contract with consumer 's signature ). Collector 's response was a statement of bill.

Company response to consumer: Closed with explanation
Consumer complaint received 03-09-2017 about Credit reporting () with Experian Information Solutions Inc. (OH).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: There are numerous mistakes on my credit report. I have attached a narrative to explain the details. The bureaus want me to sign up and pay for them to make corrections.

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 03/28/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (GA).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: On XX/XX/XXXX I made a payment to Citibank for XXXX to payoff the balance of my secured credit card. I tried to use my card around XX/XX/XXXX and the card was declined. I called the bank and was told that although a payment showed as posted it was on hold until XX/XX/XXXX. I told the rep that the payment cleared my bank on XX/XX/XXXX and wanted my funds released to my card. I was told that I would need to call back to speak with another department. Instead I started emailing Citibank so that I would have a paper trail. They kept telling me it would be available on the XXXX so I told them to close my account and refund my money. It is now the XX/XX/XXXX, they are no longer responding to emails but the account is closed and they haven't refunded me 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 non-monetary relief
Consumer complaint received 02/17/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with EVERGREEN PROFESSIONAL RECOVERIES, INC. (OR).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: After multiple requests, Evergreen Professional Recovery has contacted me during working hours to try and collect a debt. I 've tried working with them and have let them know when they can call me ; however, they continue to call during those hours. The response I received from the representative when I told them when they could call, which is during their business hours, was simply unacceptable. Never should a representative say they wo n't call when the time that is given to them is technically during business hours. I even let them know and asked them to make a note that if they called during the hours I work I would seek legal action as it disrupts my job in 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 01/15/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: To whom it may concern, thank you for taking the time looking at my case. this fraudulent information that was reported to all credit services really cripple me as a consumer and my credit score I never was late with payment to XXXX this account was paid in full and all equipment was returned on time to them by ups in the mean time the way they place their XXXX on my roof they made halls and damage to my wall every month that I was getting a bill it was different we me and my wife had to be on the phone talking to XXXX for hours the inconvenience the damage to my credit report I will sue for damages and they had the right to get their atty with XXXX to put me in collection of course also they were removed conveniently from all credit bureaus because there was perfect record they should be ashamed what cable and phone companies do to consumers I like to see results like removing this XXXX from my credit report and something should be done about co. like this. and I have filled a report with all credit bureaus but nothing was done Thank you for your time and help in resolving this matter XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2017 about Credit card or prepaid card (Government benefit card) with Comerica (VA).
Issue: Advertising
Sub-issue: Confusing or misleading advertising about the card

Complaint: DirectExpress Debit MasterCard XXXX XXXX XXXX XXXX TX XXXX Trying to steal your Social Security or other Federal Benefits. XXXX If you call their " Customer Service '' number, you are automatically signed up to have them sent your Social Security, or other federal, benefits. You then have to pay to use the funds. <P/>It says they have the US Department of Treasury, Financial Management Service " permission '' to use the mumbo jumbo. <P/>Thieves. Scammers. Semitic Smile on the female dog that is on their misleading flyer. Texans. <P/>The stress of thinking I could lose my money this way, fear of having to pay to use my money, deserves damages compensation. <P/>{$10000.00} due me, in full, Immediately. <P/>XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Loan modification,collection,foreclosure

Complaint: I purchased my home in 2005. My loan was sold and now it is with Bank of America. This bank was not reporting my full payments. They kept raising my mortgage almost as if they was trying to make me loose my home. I asked them for a loan modification several times. They told me not to make the payment so they can process my modification. I did everything they ask me to do and they just deny the modification every time for some false reason. When I show them that I did everything they ask, they start the process over and over again. This has been going on for too long.. Now they are trying to file forclosure on my home. The papers says XXXX VS ME. I never bought anything from XXXX. This bank is really trying to steal my home

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2016 about Credit card () with CITIBANK, N.A. (OK).
Issue: Payoff process

Complaint: In XXXX I made a purchase under {$25.00} using my Macy 's card. The following month I paid the full balance. A few months later I tried to use my Macy 's card but was declined. I called Macy 's customer care and was told that they received the full payment, however there was {$5.00} interest fee applied after the billing cycled closed. That 's why I could n't use my card. I paid the {$5.00} while on the phone with the Macy 's Rep. She told me I had a zero balance. I said I 've been told that before, but look what happened. She stated she would note the account in case additional fees were again applied. About a month later, XXXX XXXX I tried to use my card and again was told it was declined. I called Customer Care again and found now there was a {$2.00} charge sitting on my account unpaid so the account was deemed delinquent. The Rep saw the notes on the account, apologized and waived the {$2.00} but advised me my {$1200.00} credit limit had been dropped to {$100.00}. My credit report now shows that I was 30 days or more delinquent for an amount less than {$24.00}. I 'm disputing the negative rating score. If you pay the balance, that mean 's there 's nothing left owed. You should not be surprised with a {$5.00} or {$2.00} fee after the balance was 'paid in full ' and have your credit destroyed. The most I have ever charged on the card was {$240.00} and I always paid the balances in full within 45 days. On XXXX/XXXX/XXXX I called Macy 's and verified that my balance is truly XXXX, then closed the account. I 've never had issues like this with the other Department stores I have lines of credit with, only experienced this with Macy 's. : o (

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 07-09-2016 about Credit card () with AMERICAN EXPRESS COMPANY (NJ).
Issue: Rewards

Complaint: American Express has removed XXXX reward points from my account without explanation and refused to give me any information on why they have done this and what I can do about it. I registered a complaint with them about this and disputed the {$450.00} fee they charged me for signing up for the card and the XXXX point bonus, but they have closed the investigation without further information on the status of the points. As things stand, this is classic bait-and-switch, in that they enticed me with the reward points and then withdrew them.

Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
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: I'm respectfully filing this complaint due to the numerous of failed attempts in removing the following accounts ( XXXX XXXX, and XXXX XXXX XXXX in order to satisfy Section 611 ( 5 ) ( A ) of the FCRA .With all my formal and written requests I was never provided any verifiable documents that supports company 's claim. Therefore as stated in the above statue, if not verified within 30 days then the account must be deleted promptly and immediately. It's now 3 months later.

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 12/16/2016 about Debt collection (I do not know) with Diversified Consultants, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have no knowledge of said debt.

Company response to consumer: Closed with explanation