milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/19/2016 about Student loan (Federal student loan servicing) with AES/PHEAA (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: My loan was being brought up to date by the XXXX XXXX XXXX XXXX, ( I think that 's their name ) it was then given to Fed Loan servicing, this company never contacted me to inform me that they were now the company I needed to pay my debt to, they also reported to my credit report that I was late making the payments ( that 's how I found out about them ) I tried to rectify the issue and begin paying the loan, but they wanted me to agree on terms that I was not comfortable with, which included not informing the credit reporting agency that they made an mistake. I also have emails, where they state that they could not contact me, because they did n't have my contact information, they never notified me of the debt and have now ruined my credit!

Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2015 about Consumer Loan (Vehicle loan) with DriveTime (TX).
Issue: Problems when you are unable to pay

Complaint: I wanted to info that i have been contacted several times by Drive Time with collections efforts without being read my Mini Miranda rights with multiple Vmails with personal information, I shared this concern with managment at Drive Time and i got told that even though the state of Texas inforces the mini miranda to be read when debt is due, they ( Drive Time ) as a company are excepted and dont need to advise. I am a little worried my information is being given without consent as well as my rights not being read.

Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with Alliance Data Card Services (NY).
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint: I made a phone payment and they sent me a bill for a higher amount stating it was past due. This is so wrong it 's unbelievable! They are extorting fees on me again! I can not do business or trust this company!

Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (IL).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: This issue started when I applied for the XXXX credit card as a promotion offer they mentioned to give 100 $ cash back when spend 1000 $ or more in the first three months. 
I did it and received the cash back bonus but in the mean while I have received so many letters saying that i would be given 250 $ when spend the 1000 $ as a welcome gift but when asked about it the XXXX guys opened an investigation and took almost 2-3 months saying that the issue will be resolved. But the customer representative when contacted keeps on disconnecting the chats and is trying to avoid the chat with me but when finally I asked for it they say that I was not eligible for it and when asked why?. They did n't give me any appropriate reason. This was so misleading by them that i was expecting the 250 $ cash back at some point of time. BUT THIS IS LIKE A KIND OF CHEATING OR FRAUD BY THE COMPANY. if I was not eligible for that offer then why the XXXX they should send me a tons of mails saying that i would get 250 as an offer. This is completely disgusting and they are not at all bothered about customers and their concerns. I am writing this only to make more people aware that not to fall in any kind of traps, frauds or misleading adds given by the XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 12/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AL).
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 filed a complaint with the credit bureaus for validation of this account. This was account as deemed as updated and accurate. I then filed a complaint directly with XXXX XXXX XXXX by certified mail which included my full name and account number as listed on my credit report. After I had not received a response, I contacted them via XXXX XXXX on XXXX/XXXX/XXXX. After our conversation there, a representative from their company contacted me. Upon speaking with the representative, I provided their requested information to identify this account. I did not provide them with the account number. However, my account was located and I was told I would receive a letter in the mail with all of the information regarding the verification of the account. However, I received a letter dated XXXX/XXXX/XXXX stating I did not provide them with enough information for them proceed with their investigation and must consider it closed. 
I 'm confused. I spoke with them the day after the letter was composed. How is it that the information provided on XXXX was not used to verify the information they continue to report to the credit bureaus on this very old account. The balance was paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2018 about Student loan (Federal student loan servicing) with NELNET, INC. (TX).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: Nelnet and XXXX XXXX took {$1200.00} out of my XXXX check in XX/XX/XXXX after I have been totally and permanently  XXXX since XX/XX/XXXX- XX/XX/XXXX and had my loans dischared by physician forms, etc. I have been faxing with my caseworkers for 6months to try to resolve this. I live in a XXXX XXXX and this is very hard on me physical and mental. On form XXXX XXXX XXXX it says all loans were discharged. Ss has supplied lots of forms including XXXX that I have never been assigned a review, but either they ignore me and send en ryted emails i cant open.

Company response to consumer: Closed with explanation
Consumer complaint received 05/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have sent several letters and a police report. Transunion is having a problem removing this off my credit report. I never had a car loan from  XXXX    XXXX     XXXX   XXXX   XXXX   XXXX ,  XXXX , NE  XXXX , (  XXXX  )  XXXX . I never lived in  XXXX ,  NE  and asked them to send me proof of the sign contract and no response. Please remove this off my credit report. The dates was  XXXX / XXXX /  XXXX   collection date and loan begin in  XXXX   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 08/19/2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with BMO HARRIS BANK NATIONAL ASSOCIATION (IL).
Issue: Fraud or scam

Complaint: Multiple times I 've had my own identity stolen by my own sister and it 's easy for her to do bc she looks similar to me, she 's 5 years older, she lives close, knows everything about me, she went to school for an account, knew in her earlier high school years how to get illegal ssi numbers. Do n't know what she would want with that. So she 's opened credit cards with my social, drained empty multiple bank and checking accounts from 3 different branches, stole my inheritance from both my XXXX parents and signed the checks, claimed me as her adult adopted XXXX child on her taxes, I have to go to court in to weeks for a credit card she opened under my name, she does my taxes every year so I have to sit at the IRS, she 's stolen around 300 grand just from bank accounts alone. I 'm sick of this. She stole my moms XXXX XXXX XXXX, my XXXX XXXX with XXXX, tried to get me to buy her XXXXXXXX XXXX. She tells me how to make XXXX. Called me one day telling me there r bugs crawling down her walls and her body. She 's the governments biggest issue, I 've complained so many times but no one seems to care. It seems like they would rather be out doing stops for XXXX and speeding 5  miles over the speed limit than the serious issues we have to address. This has been going on big time since XX/XX/XXXX, the looking up socials was I believe XX/XX/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 08-11-2015 about Mortgage (Other mortgage) with JPMORGAN CHASE & CO. (AZ).
Issue: Settlement process and costs

Complaint: I HAVE A MODIFIED LOAN WITH CHASE MORTGAGE. I ASKED THEM FOR A COMPLETE ITEMIZATION OF THE BALLOON ON MY MODIFIED LOAN IN THE AMOUNT OF {$66000.00}. I ALSO ASKED THEM TO PROVIDE TO ME IN WRITING THE INCENTIVES I AM APPROVED FOR WITH THE US DEPT OF TREASURY, SPECIFICALL THE 6-YEAR ANNIVERSARY INCENTIVE FOR ON TIME PAYMENTS OF MY MODIFIED LOAN. I SPOKE TO XXXX XXXX WELL OVER 2 WEEKS AGO ( TODAY IS XXXX/XXXX/15 ) AND SHE TOLD ME VERBALLY THE ANSWERS TO THESE QUESTIONS HAD BEEN PUT IN THE MAIL. AS OF YESTERDAY I HAVE NOT RECEIVED ANY OF WHAT I ASKED FOR. I DO NOT BELIEVE ANYTHING A CHASE EMPLOYEE SAYS TO ME VERBALLY AS THEY HAVE LIED TO ME VERBALLY FOR OVER 4 YEARS. I NEED WHAT XXXX TOLD ME IN WRITING. I NEED TO KNOW WHAT THE {$66000.00} BALLOON CONSISTS OF, EVERY PENNY OF THAT BALLOON AND I NEED TO KNOW AL THE REMAINING XXXX DEPT OF TREASURY INCENTIVES FOR MY MODIFIED LOAN. I NEED CHASE TO SEND THIS TO ME IN WRITING. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2018 about Student loan (Federal student loan servicing) with NELNET, INC. (NJ).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: NelNet has started charging me for my loan at the full repayment amount while I am in IBR. They contacted me and attempted to force me to cancel IBR and go into forbearance. They said there are no other options. They placed a strike on my credit report putting extra stress on my already stressful ( I am in IBR! ) financial situation. I have called repeatedly and they refuse to remove the strike, refuse to accept my IBR status and refuse to help me in any way whatsoever.

Company response to consumer: Closed with explanation
Consumer complaint received 11/24/2015 about Student loan (Non-federal student loan) with WELLS FARGO & COMPANY (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: Wells Fargo has refused to link student loan account information to my online login so that I may access and gather information relating to balance and payment.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2015 about Consumer Loan (Vehicle loan) with UNITED SERVICES AUTOMOBILE ASSOCIATION (PA).
Issue: Shopping for a loan or lease

Complaint: When I applied for an auto loan the loan company took into account the outstanding VA Medical bills on my credit report that are not my responsibility to pay. Thus, discriminating against me as a XXXX veteran when they denied the loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (IL).
Issue: Delinquent account

Complaint: Firstly, I would like to point out that I am being penalized unfairly by a financial institution whose actions described herein appear to be at best arbitrary and at worst discriminatory. I have a perfect record of one time payments with the exception of a department store card issued by capital one. I own my home and have excellent credit. I missed a 30-day deadline for one of my credit cards during XX/XX/XXXX/XX/XX/XXXX. All other bills were paid timely. I was out of the country and I made sure to pay my bills before I left however, this particular payment was an oversight. I had no idea that I was late with a payment, if I had, I would have immediately paid this bill over the phone. Further, I ensured that I had international phone service abroad for any emergencies that may come up while I was away. I never revived a call or voicemail indicating that my payment was late. Missing this payment had nothing to do with my creditworthiness as far as being able and willing to meet my financial obligations. When I returned to the country and realized that I had missed a payment, I immediately brought my account current. I submitted a request to the company to remove the flag in order to restore my standing and I explained that this was a one time error that would not repeat itself. They denied my request and did not give a reason as to why. I believe that this not only is a poor business practice, but it also penalizes me unfairly whereby others have been granted this request. I understand this company has a history of appearing to make credit decisions based on certain demographic information. I 'm XXXX and XXXX. That is the only notable difference between me and another individual who was granted this request. Although this is not a credit decision, per se, the denial of good faith action from a financial institution will negatively impact my credit for years to come. I came to my creditor in good faith to advise that this was a one-time error that was exacerbated by me being out of the country and unawares of my late status. For instance, I received no call or voicemail once my payment was past due, at a minimum I expect the bank to exercise certain actions such as a phone call when a payment has been missed. I ask that the CFPB intervene on my behalf and request that the credit card company remove the 30 day late flag from my credit report, and restore my perfect repayment history. Further, I would like to ask the financial institution to provide an explanation around the decision to deny a goodwill gesture or accept certain other requests.

Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have  XXXX  account on my credit report that should not be on there never opened a car loan.        XXXX   XXXX   XXXX  Last reported :  XXXX   XXXX ,  2017  {$40000.00} Good  XXXX   XXXX   XXXX  Last reported :  XXXX   XXXX ,  2017  {$40000.00} Good This account is paid in full.      XXXX  Last reported :  XXXX   XXXX ,  2017  {$7500.00} This account  is 7 years old an d should have been deleted.      XXXX   XXXX    XXXX   XXXX   Last reported :  XX/XX/XXXX    {$3000.00} In Collections/Charge-off

Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2015 about Credit reporting () with EQUIFAX, INC. (PA).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: I am in dire need of your help. My credit was ruined as a result of suffering from " HURRICANE XXXX '' in XXXX XXXX. The Flood insurance only reimbursed me {$23000.00}. after I had submitted all the paid receipts for work I had to have done on my house and all of the losses that occurred, totally over {$120000.00}. ( my house still is not finished, because I ran out of money ) By XXXX XXXX my22.5 year marriage ended, & mostly due to the financial impact from the Flood insurance. So now I am divorced & living in an unfinished house that I had put a tremendous amour of money in to repair & it 's not even worth what we paid for it, {$560000.00} in XX/XX/XXXX. I desperately need to re-fi but my credit is not good enough. My mortgage ( {$380000.00}. ) is at 4.5 % & a XXXX ( {$53000.00} ) at 6.99 %. If things do n't get better I will lose my house. 
I have worked very hard at cleaning up my credit but I just do n't seem to get a head because of things I can not control or understand. There are numerous problems with this CREDIT REPORTING SYSTEM, but for now I am only addressing this XXXX instance. 
I subscribe to XXXX credit reporting agencies on line, XXXX is " XXXX '' & the other is " EQUIFAX ''. I watch my credit scores & the reports closely & earlier in XXXX according to EQUIFAX MY SCORE WAS # XXXX & on " XXXX '' it was # XXXX, under EQUIFAX. WHY ALL THE DIFFERENT SCORES FROM THE SAME PLACES IS BEYOND ME, & VERY DIFFICULT TO WORK WITH, NEVER KNOWING WHAT IS CORRECT! ( but that 's a different topic ) XXXX of the necessary things I need to do is establish NEW CREDIT. I looked up & found that with my scores I would be able to acquire a CREDIT CARD from XXXX XXXX. I applied & to my surprise I GOT REJECTED! I got rejected because when XXXX XXXX inquired about my score FROM EQUIFAX, THEY REPORTED MY SCORE AS XXXX! I NEVER WOULD HAVE APPLIED IF I SUSPECTED THAT THEY WOULD REPRT SUCH A DIFFERENT SCORE THAN THE ONE THE GAVE ME! I called EQUIFAX, & explained what happened & they did n't know why. They knew my score was higher than XXXX but they did n't know why they told XXXX XXXX it was so low. Then they gave me a phone # to tell XXXX XXXX THAT EQUIFAX MADE A XXXX & THAT XXXX XXXX COULD CALL & VERIFY THAT IT WAS HIGHER. XXXX XXXX, thought I was stupid & told me that they were not going to call EQUIFAX! 
And the BEST PART, AFTER I WAS REJECTED, EQUIFAX LOWER MY SCORE FOR TRYING TO GET A CREDIT CARD. 
I have attached all the pertentant documentation. Thank you for your help. I look forward to hearing from you! XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2017 about Checking or savings account (Other banking product or service) with U.S. BANCORP (IA).
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint: On the morning of Sunday, XX/XX/XXXX, we went to the US Bank drive through ATM located at the US Bank, XXXX branch at XXXX XXXX XXXX XXXX, XXXX, IA XXXX. We needed to withdraw {$300.00} cash as my daughter was leaving that morning for Minnesota for school and this was to pay for her gas, food, etc. I bank with XXXX, an online banking corporation, and US Bank does not charge a fee for using their ATM. When the money was supposed to be dispensed from the machine, the machine started making a cranking noise like it was either jammed or broke ; however, no cash was dispensed. My husband cancelled the transaction and got my debit card back. However, the {$300.00} withdrawl was now showing pending to my bank account and I had not received the {$300.00}. We went into the XXXX store courtesy desk and was advised that the bank would open that day at XXXX XXXX and that they had no access to the ATM to help. So, once the bank opened we were able to speak with the branch manager, XXXX XXXX. XXXX said that he would submit a claim for the ATM funds. Shortly after returning home, XXXX called us to advise he was told by US Bank that since we are not account holders there, they are unable to assist us directly in getting our funds ( even though it is their ATM and the cash was stuck in THEIR machine ). XXXX said we would need to file a dispute with my bank, XXXX to get the funds returned. I called XXXX and they stated that until the funds go from pending to posted, they ca n't submit a dispute. They stated once the funds posted to my account to call back and they could process the dispute. The US Bank transaction posted on XX/XX/XXXX to my account. So, I filed the dispute immediately. It is now XX/XX/XXXX and I STILL do not have my {$300.00} returned to me. I had to go to another ATM on that same day and withdraw another {$300.00} PLUS fees just so my daughter could go back to school. This has negatively impacted my credit as I am not short {$300.00} plus additional fees I have had to pay for taking out funds from another ATM that day. I want action on this immediately. XXXX XXXX continues to state that it is being investigated and US Bank continues to state that they ca n't help me since I am not their customer. Please assist in getting these funds returned to me immediately. Somewhere, US Bank is sitting on MY {$300.00} cash and they do n't seem at all interested in returning it to me in a timely manner. I am sure if the tables were turned and I owed THEM {$300.00} they would be charging me fees, interest and damaging my credit history with reporting 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 10-11-2017 about Money transfer, virtual currency, or money service (International money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (CA).
Issue: Fraud or scam

Complaint: I send {$90.00} to my cousin in XXXX, she try to pick up the money the next day, true the companie MONEYGRAM they told her that the transaction was cancel or someone pick up the money, but she was the only person authorized for this transaction I talk to her, she doesnt get any money, she ask who sings they set theres no signature, I havent have any help from the company and have no been refund what can I do to get my money back?

Company response to consumer: Closed with monetary relief
Consumer complaint received 05-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (OR).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I contacted Wells Fargo Financial and they continued to state and report to credit bureau that payment for XXXX XXXX was late. For {$410.00} minimum payment due in XXXX I made 2 payments for total of {$410.00} before XXXX XXXX XXXX as required as highlighted in copy of statement attached as a PDF file. 1st payment XXXX as seen on statement was paid online for {$280.00} and credited to account. 2nd payment XXXX was paid in branch for {$130.00} and credited to account. Yet letter from XXXX XXXX clearly states that they reported correctly and XXXX payment was late. How can that happened, when you see that they were paid for amount due and prior to XXXX XXXX XXXX. Both of them are highlighted in PDF files I am sending. As required by FRCA, since payment was for amount due and done prior to XXXX XXXX XXXX. Wells Fargo Financial is required to report was paid on time, not late as they reported.

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 05/18/2017 about Debt collection (I do not know) with Capio Partners, LLC (AL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: The debt is not mine. When I contacted the company I did n't have an account so I was told to enter my phone number. When I done that there was no account listed for me. I 've left many voicemails with the company but they never call me back.

Company response to consumer: Closed with non-monetary relief