milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-12-2015 about Credit reporting () with Experian Information Solutions Inc. (MI).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: XXXX was a lease and I paid this lease off and on time. The {$3500.00} that XXXX added to my account was not about the lease, but disputed with XXXX over wear and tear to the vehicle and not terms of credit. This item was disputed in XX/XX/XXXX. I requested to dispute this item again and was denied by Experian. The amount showing is incorrect and was incorrectly reported by XXXX. 
XXXX XXXX was removed and readded on XXXX/XXXX/XXXX to my report after no status was shown since XX/XX/XXXX. Account was disputed because XXXX was reporting inaccurate utilities owed. 
XXXX XXXX was not my mortgage company and is showing on my credit report as a foreclosure. My mortgage company was XXXX XXXX and I have tried in XX/XX/XXXX to get this updated and the wrong mortgage company removed from Experian. Experian refuse to remove this from my record. 

Credit inquiries : XXXX, XXXX XXXX and XXXX XXXX XXXX were not initiated by me, and there is no way to dispute this on Experian on-line dispute.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/15/2017 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I 've contacted Equifax in writing multiple times requesting a correction for wrong/inaccurate information reported on my credit report, they failed to investigate the item carefully or verify it and they did n't correct the item either, I have all the proofs to support my claim and shows their violation to compliance with the FCRA. 
the item remains as a negative derogatory on my report, it 's negatively effecting my personal and financial life big time. 

the item information is the following : XXXX XXXX XXXX vehicle loan paid off and closed in around XXXX XXXX the negative reporting is : 30 days ' late payment 3 times XXXX XXXX, XXXX & XXXX of XXXX ). 
the negative reporting is : 60 days ' late payment 2 times ( XXXX & XXXX of XXXX ) I 'm negatively very effected by this matter as a consumer and I 'm asking the Consumer Financial Protection Bureau to protect my rights as a consumer and to take full and strong action against this company striping our rights by reporting wrong inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2016 about Payday loan () with BlueChip Financial (NJ).
Issue: Can't contact lender

Complaint: I applied for XXXX payday loans for which I was approved. But after given the situation more thought, I decided not to take either loan. Since then, I have been receiving several unknown phone calls stating that I have several claims against me with threat of legal actions. As I know that there are no claims against me - legal of otherwise - I did not give any credence to that information. What concerned me was that the person had part of social security number. I believe that this information could have only come from the information I input on those XXXX applications. The person would not identify herself or who she represented, but insisted that I verify my social security number. After stating to her many times that her claims were false, the person hung up the phone. A trace on the phone number ( XXXX ) yielded no results so I can not state the entity that called.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2016 about Prepaid card (General purpose card) with AMERICAN EXPRESS COMPANY (CA).
Issue: Overdraft, savings or rewards features

Complaint: XXXX issued a prepaid reward card valued at {$120.00} through American Express. CFPB guidelines say these cards never expire, and can be reinstated if they do pass a printed expiration date. I contacted American Express and they say the card can not be reinstated. The expiration date listed is XXXX 2016. 
These financial companies make the majority of their profits on lost, unclaimed, or the " past due '' feature.

Company response to consumer: Closed with explanation
Consumer complaint received 08/30/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (MA).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: I am one of many young Americans who are in great school debt. I can not get ahead in life due to my debt. My payments are too high, I even went to a state school. Navient will not and never has offered an income based repayment plan. My federal government loan through XXXX has, but it is my smallest loan. My credit is ruined, I can not afford a new car for my XXXX son to ride safely in. On top of this all I am harassed daily by Navient. I made it clear I can not afford what they want from me while trying to pay for necessities to live.

Company response to consumer: Closed with explanation
Consumer complaint received 03/26/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with TRANSWORLD SYSTEMS INC (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Owed XXXX a {$30.00} fee and paid. Transworld Systems continues to try to collect the debt even after I confirmed with XXXX they received payment

Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2017 about Money transfer, virtual currency, or money service (International money transfer) with WESTERN UNION COMPANY, THE ().
Issue: Fraud or scam

Complaint: Refer Western Union MTCN XXXX Money was transferred in someones account in XXXX using my email id. I 'm a resident of XXXX, and an amount of {$380.00} including transfer fees was transferred by someone in XXXX, USA on XXXX XXXX 2017, XXXX XXXX. IST. I have never registered with the Western Union and someone has fraudulently used my email id for the money transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 08/29/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (FL).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I have repeatedly called and applied for a plan to get my payment amount reduced. Once the FedLoan Servicing took an auto payment of over {$2000.00} out of my account without warning. Now, I have applied for an IDR several times and they keep not communicating with me and setting my payments above {$2000.00} per month despite my sending them a documented decrease in my income and increase in family size. After I submitted tax information, they sent a payment of over {$2000.00} per month and when I called, they said they needed recent pay stubs which I submitted. I called and got a forebearance with a payment of {$360.00} due inXX/XX/XXXX. Today, I get a letter requesting payment over {$2000.00} due XX/XX/XXXX without having answered by application for an IDR plan. I called and spoke with XXXX and he informs me that I need to write and fax names and dates of birth of all my family members! 
I feel like I have repeatedly gotten the run around with FedLoan and they are denying my ability to get an IDR plan

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/17/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Niagara Capital Recovery LLC (MA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Someone called my phone and did not identify herself. She then ordered me to be home at a certain time. She then never arrived at my home nor did she leave contact information. She then called my husband 's place of employment and disclosed my debt. Then she called my phone accused me of not being home and told me I was in trouble.

Company response to consumer: Untimely response
Consumer complaint received 08-11-2017 about Debt collection (Medical debt) with TRANSWORLD SYSTEMS INC (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I noticed several collections on my credit from Trans World System. They took one emergency room visit and broke it down in twenty different segments and put each one on my credit. in the amounts of {$10.00}. {$5.00} and so on.
They never sent me a notice or anything they just put these errors on my credit.
I am a veteran and have insurance and am on XXXX and my insurance paid my medical bills.
This company really caused me a lot of harm..
I sent for validation of the debts and they are just ignoring me. this has been going on for six months

Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2017 about Debt collection (Medical) with Metro Republic Commercial Service, Inc. (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I contacted Metro Republic Communication Services regarding a medical bill. I spoke to XXXX XXXX and inquired about receiving a generic letter stating that upon full payment they will report and remove it from my credit. I informed him that I am capable of making the payment in full right now. XXXX XXXX and his manager stated that they are willing to give me the letter only after they receive the payment. So, basically I do n't have any guarantee that they will keep their word. Over the next couple of weeks I spoke to XXXX XXXX numerous times. I initiated the majority of the calls. I finally came up with a solution for both of us. I spoke to XXXX XXXX and explained that I was willing to drive to their office and pay with a certified check. At that time I am willing to " trade off '' for the letter and a receipt. XXXX XXXX mentioned that I should bring cash at that time. I expressed to him that I am not comfortable paying with cash and I would bring a certified check from my bank. Both of us were satisfied and ended our conversation on a good note. Five minutes after we hung up XXXX XXXX called me back and stated that after speaking with his manager XXXX XXXX that there was a problem with what he told me. He stated that his manager said I have XXXX medical accounts with their office. Even though I am willing to pay off the account we discussed in full they will not report or remove the account until I pay off a different account I did n't even know I had with their office. I asked to speak with his manager and his manager XXXX XXXX stated the same thing. I found it very strange and unprofessional that I have spoken to him numerous times and XXXX XXXX never mentioned a second account with their office. Also, these are XXXX totally different bills, service dates and amounts. If I pay off one account in full that should be reported to the credit bureau and removed just as we agreed five minutes ago. I do n't understand why they would think that it is okay to attempt to be unprofessional, deceive and bully customers. They should not be able to make up their own rules and guidelines because they feel like it. In my opinion it does n't sound legal either. Most people do n't consistently call bill collectors trying to pay their debt in full. So, at this time I am at a stand still because I do n't trust them at all.

Company response to consumer: Untimely response
Consumer complaint received 11/14/2017 about Credit card or prepaid card (Gift card) with CITIBANK, N.A. (NC).
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint: I have a {$75.00} debit gift card issued to me by my employer. ( XXXX XXXX ) When I tried to use the card it asked for a pin number. I do not have a pin number. I tried calling the numbers on the card. XXXX and XXXX on XX/XX/XXXX at about XXXX in the XXXX. The person I spoke to asked for my work address. After giving them my complete address they still would not give me the pin number. Card has an expiration date of 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 11/26/2016 about Credit reporting () with CORELOGIC INC (OR).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: The inquiry I did not authorize

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 09/14/2016 about Credit reporting () with Experian Information Solutions Inc. (IL).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: Experian is reporting my private information without verifying the accounts being reported. This is is in violation of Section 609 of the Fair credit reporting Act.

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 08/17/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (CA).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint: Within the company 's " Amex Offers '' XXXX, they list an offer with a headline that reads : " Spend $ 500+, get XXXX Membership Rewards points ''. The listed merchant is amextravel.com, which implies that all purchases made at amextravel.com should be covered. They then allowed me to enroll in the offer without the display of any further terms on their website. Because of this offer, I went on to cancel a flight that I had with a different credit card in order to re-buy the flight with my XXXX XXXX XXXX Card instead. This flight cost {$620.00}, which is above the limit required for the offer. After not receiving the XXXX bonus points, I went back to the offer and noticed there were very materially important terms left out of the headline. Specifically, I had to spend the {$500.00} on hotels at amextravel.com. This was never made clear to me before enrolling in the offer and canceling my flight with another card in order to earn the reward. This seems entirely misleading to me. There was no way for me to know that this would only work on hotels when I enrolled in the offer, and it forced me to make a significant financial decision because of it.

Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: On today. XX/XX/2018 I ordered copies of my credit reports and found horrific information incorrect phone number and fraudulent accounts I attached document to show the fraudulent accounts

Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2016 about Credit card () with CITIBANK, N.A. (HI).
Issue: Late fee

Complaint: I am a Costco member. On XXXX XXXX, 2016 Costco switched from XXXX XXXX to Citibank as their credit card issuer. My credit cards are set up for automatic payment. I do n't even know when they are due. I just have the full balanced paid in full each month so I incur no fees. It turns out my credit card bill is due on the XXXX of each month. So my bill was due XXXX XXXX, 2016. Today Citibank called me because my account was 19 days past due and I have incurred a {$35.00} late fee. What? I am not the type of person who incurs late fees. How is my account 19 days behind when it has not even been a month since the card was activated?!?!?! When I called Citibank ( currently on my second phone call right now ) I was told this was explained to me in the package of information mailed to me. Ya, right, like people actually read that information, just like I read every Privacy Policy of each and every website I frequent. I was told the late fee was waived, but just the audacity to pretend charge me a late fee on purchases not even a month old. This has got to be illegal. I have not even received a bill for these purchases. I assumed once I received the bill I would set up an account online and activate automatic payments like I have always done. But no, within seven days of my new CitiCard being activated, I was supposed to seek out a bill that was not sent to me and blindly pay it. Even now, as I attempt to activate automatic bill pay, which is not going smoothly and am waiting for the IT department ( 33 minutes on hold so far ), I have n't seen the bill yet. According to Citi 's website, it is not available yet. What? It 's insane! It 's wrong, wrong, wrong what Citi is doing. On my second call to CitiBank, the customer service rep told me it is XXXX XXXX 's fault for not notifying customer 's properly about this situation. Or, CitiBank could have just sent me a bill for my XX/XX/XXXX expenses at a reasonable time, 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 10/22/2015 about Prepaid card (Mobile wallet) with Empowerment Ventures, LLC (AK).
Issue: Unauthorized transactions/trans. issues

Complaint: I deposited money in Rush card. Made one purchase and then my account went to zero and I ca n't get ahold of anyone at customer service that can do anything about it. They continue to say they will be correcting the problem but it 's been 11days and my money and access to it are still denied.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-06-2015 about Mortgage (FHA mortgage) with QUICKEN LOANS, INC. (AL).
Issue: Application, originator, mortgage broker

Complaint: I applied for refinancing home loan with Quicken. To reduce payments and pay some bills. I went through months of providing information and talking to many different people who were to take you to next step. I was told this the answers would be quick. After furnishing all information sometimes twice and paying fee. Getting appraisal, Title and Insurance. Told closing would be set in next 72 hrs. I took off work and then nothing from them. I contacted them to see what was the delay and was told loan was denied. I spent so much time effort and fees ans was given every assurance this would close then just be told " denied '' I 've written and complained asking for explanation. Ive re none. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 09-05-2015 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Problems caused by my funds being low

Complaint: My wells fargo bank robed me they posted a transaction was posted to my account on XXXX/XXXX/2015 and the posting date was XXXX/XXXX/2015 and i was charged {$35.00} for overdraft on XXXX/XXXX/2015 I requested the bank to take a look at the transaction and i check my account till the last minute of XXXX/XXXX/15 i have a prof my account went negative today but before XXXX XXXX i have deposited the amount and i 'm still getting charge the overdraft fee.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Loan servicing, payments, escrow account

Complaint: In the beginning of this year, I refinanced my house the mortgage agentdid the loan with XXXX XXXX. XXXX XXXX sold the loan toNationstar Mortgage. I received a letter telling me to send my payment toan address and a detachment portion. I am to send the detachment portionwith my payment. Which is what I did, however, I do n't know what theaddress was that I sent the payment to. But I sent them the payment onXX/XX/2015. For the next few weeks my check was n't cleared. I'mthinking the check was lost. In about the middle to the end of the month, I received a statement from Nationstar Mortgage informing me I owe themfor two months. No problem, I put a stop payment upon the check onXX/XX/2015. Then I paid them {$2300.00}, which paid them for XXXX paymentsof {$1100.00}, and provided {$32.00} left over to put upon my principal. Theyreceived that payment on XXXX/XXXX/15. Later XX/XX/XXXX, I receivedanother statement dated XXXX/XXXX/15, this statement informed me that the nextstatement was due on XXXX XXXX 2015, NOTE XXXX XXXX, 2015, NOT XX/XX/XXXX BUTXX/XX/2015. What am I supposed to think? I 'm thinking there is no Aprilpayment, I thought that until XXXX XXXX, 2015, when I received a call fromNationstar about where is my XX/XX/XXXX payment. I then sent them twopayments covering XX/XX/XXXX and XX/XX/XXXX. As per their policy, I sent them a copyof the confusing XX/XX/XXXX statement with the XX/XX/XXXX due date. I informed themthat it was their fault not mine and I expect NO PENALTIES. 
Guess what? I did receive penalties over {$100.00} in late fees, I have triedcustomer service if you can call it that. I received long wait only to be hungup on, the waits were about fifteen minutes to get someone, then I wouldbe transferred to someone else, with no one picking up. My desireresolution would be to at the minimum get rid of the penalties and XXXX, have Nationstar sell my paper to another company like XXXX, XXXX XXXX XXXX, XXXX XXXX, they would be fine. I really do n't want to deal withNationstar anymoreNationstar informing me

Company response to consumer: Closed with explanation
Consumer complaint received 11/13/2015 about Bank account or service ((CD) Certificate of deposit) with ALLY FINANCIAL INC. (CT).
Issue: Deposits and withdrawals

Complaint: Mailing of proceeds of account closeouts from Ally Bank appear to be unduly and purposefully delayed so that Ally Bank benefits from holding onto the related funds at the expense of account owners.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-07-2016 about Credit card () with BARCLAYS BANK DELAWARE (OH).
Issue: Closing/Cancelling account

Complaint: My XXXX accounts with Barclaycard were closed on XXXX XXXX, 2015. I have been given next to no information on why, just vague statements like " due to terms and conditions '' or " bank policy ''. I have written a letter as instructed to request more information and received a very generic form-letter response with no additional information. I just spent over an hour on the phone with representatives and a supervisor and they were still unable to give me any indication as to why my account was closed. 

Since my account was closed, my XXXX points were forfeited, and even though I had valid charges eligible to be redeemed at the time the account was closed, they refused to allow me to redeem against them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief