milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/13/2016 about Student loan (Federal student loan servicing) with Vermont Student Assistance Corporation (CO).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I have a student loan debt with Vermont Student Assistance Corporation ( VSAC ) and have been increasing my number of payments from monthly to weekly for several months as well as paying more than the monthly minimum payment. I worked with VSAC to set this up and they have allowed any extra payment over minimum per month to be applied to principal on my highest interest consolidated loan. This has been working very well and I am able to make more of an impact on paying the loans off. I received a call last week for a VSAC employee informing me I would no longer be able to do this because it puts an administrative burden on them to process payments this way ( ie, they do not want to process weekly payments instead of monthly with extra going to principal ) AND I would have to now make a phone call to them each month to have the extra applied to principal on the highest interest consolidated loan. I believe this goes against their stated policy that " You may prepay all or a portion of your loan ( s ) at any time, without penalty. '' Bottom line, by not being able to have weekly payments applied the way I have been, I believe they are preventing me from paying my loans faster.

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 09/13/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with The Law Offices of Gerald E Moore & Associates, PC (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Original creditor, which is XXXX, turned unresponsible debt over to XXXX XXXX XXXX, in which sold the debt to, now XXXX XXXX XXXX and associates, who are now threatening to take me to court in 30 days and they told me to get a lawyer to represent me. I already have a case being looked at by you. That case number is XXXX regarding XXXX properties and XXXX regarding XXXX, who they first turned it over to.

Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2016 about Credit reporting () with EQUIFAX, INC. (MO).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I DID dispute information only showing on my Equifax credit report regarding a judgement that I do NOT owe and asked for validation proof regarding the item on credit referring to XXXX county court for a XXXX XXXX. No other reporting agency is reporting the item only Equifax. I sent my dispute on XX/XX/XXXX certified mail and to date they have never responded and the item is still on my credit report. This item is keeping me from get a mortgage and causing financial distress. This is a violation of my rights and they have ignored my validation request. they need to remove the item immediately. I have attached the proof I sent the dispute by certified mail and the proof they received my dispute as well as my credit report. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2015 about Bank account or service (Savings account) with WELLS FARGO & COMPANY (CT).
Issue: Account opening, closing, or management

Complaint: Wells Fargo says my statements are available online for seven ( 7 ) years but, when I closed out a money market savings account my access to the statements ended and they want to charge me {$5.00} per statement. I did n't download any statements for my closed MM savings accounts planning on being able to see them online. I feel misled and potentially gouged.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2016 about Credit card () with CITIBANK, N.A. (CA).
Issue: Closing/Cancelling account

Complaint: I closed my credit card account with Citi in XX/XX/2016. They even issued a refund check for the membership fee. To my surprise, i got a call from collection agency today letting me know that i am past due on the account. I login to my citi account and see that i have interest fee charge, late fee for 2 cycle. How is it possible when i closed the account? The interest charged was dated XX/XX/XXXX. I dont even have my credit card number anymore because i already shredded the card XX/XX/<YYYY>. I closed the account because the unsatisfactory customer service i received from Citi. Mind you i had Citi prestige card for several years and paid {$450.00} annual fee.

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 03/26/2015 about Debt collection (Credit card) with Platinum Holdings Group, LLC (TX).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: Premium Asset Services has misrepresented who they are. They are rude, have used profane language, and have told me on several occasions they are calling from a law office ( Offices of XXXX XXXX XXXX. They act as though they are lawyers and threaten litigation. I attempted to set up a payment plan for my debt and they were not willing stating I have room on my credit cards to pay the debt in full. They will not work with me at all and then say that I " refuse '' to pay the debt which is FALSE. They also have threatened to contact my employer if I did not respond and pay the debt in full. They never told me who they were, I found out the company through my husband, whom they have also harassed. He had to continue to ask many times for them to say where they were calling from. They are telling my husband I have secret credit cards, and told him that we are pieces of XXXX. A different person calls me each time and from different phone numbers. They have stated my debt is 1 to 2 thousand more dollars then it actually is. They are harassing me, misrepresenting themselves, and constantly threatening me. They have caused great emotional distress and I am in fear that they have fraudulently acquired my SSN and personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Stellar Recovery, Inc. (AZ).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: The company which placed negative information on my credit report is Stellar Recovery Inc. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, MT XXXX ) which is a collection agency on behalf of XXXX. The original reporting on my credit apparently took place in XXXX 2015 however I have not, previous to phone conversations that I initiated on my own behalf due to seeing the negative input on my credit report, received any type of notice via phone, email, or regular mail of this debt. I have since settled this debt directly with XXXX in full however the negative remains on my credit report. It is my understanding that prior to the input on my credit report that this debt needed to be verified and I be given an opportunity to settle, pay outright or dispute the validity of this debt. I was never afforded this opportunity.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-01-2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MD).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I went to XXXX XXXX and told them that I only wanted federal loans. XXXX XXXX acknowledged that they would not take out any private loans ; however, they did. I did not find out that I had a private loan until XXXX XXXX/Naivent began to collect. 

I am unable to afford the high minimum high interest rate. Whenever I would speak to Navient they would tell me there are options available to me for repayment. When I ask about the options they state that I do not qualify for any of them and that I need to pay in full. 
Even when meeting my minimum payments it was all going towards interest. When I originally question this I was told that I have to pay the interest for the life of the loan before principal. Navient calls my phone 4-6 times a day every day. 

When I tell them that I can not afford the cost they tell me that I need to seek money from friends and family to pay them. 

Harassment and lots of threats with no assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2016 about Credit card () with SYNCHRONY FINANCIAL (OH).
Issue: Billing disputes

Complaint: I recently received an email from Old Navy stating that my account was three months past due. This is a pretty low balance card, and the payments in the amount of $ XXXX/month had been coming out automatically every month, around XX/XX/XXXX. I did not receive a phone call, statement, or any prior communication stating that the account had fallen past due, or that the payments had stopped coming out of the account. As a result, I now have delinquent marks on my credit. None of the my other debt is past due and this has seriously impacted my score. They claim not to have my updated address ( not true ), and also claimed not to have my phone number. The information was available to them, and I 'm not sure why they 're stating it isn't/was n't. I brought my account up to date immediately and will be paying off the card next month. It 's already closed due to 'a history of serious delinquency ', which is strangely both laughable and offensive at the same time.

Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2017 about Student loan (Federal student loan servicing) with AES/PHEAA (IL).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I repay my federal student loans under the REPAYE income-driven repayment plan. On  XXXX   XXXX ,    2017,  I submitted my annual income documentation to FedLoan Servicing to recalculate the REPAYE amount. As my family 's current income differed significantly from our most recent federal tax return, I used  XXXX  recent paychecks as documentation.     On  XXXX   XXXX , I received notification that my monthly repayment amount had been calculated. However, the amount was too high. Going back to the calculations, I noticed that the number calculated b y FedLoan wa s exactly what I would get if I ignored all pre-tax deductions from my paycheck.     I emailed FedLoan twice but received no response. I called them on  XXXX   XXXX , and was told that they would look into the matter within  10 bus iness days. I called back on  XXXX   XXXX  and was told to wait one more week. Finally, when I called on  XXXX   XXXX , I was told for the first time that it is FedLoan 's policy to ignore pre-tax deductions from paycheck income documentation if they ca n't tell exactly what the deduction is from the description on the check.     I was informed that I could submit a letter on company letterhead from my employer and request   expedited review. I did so and FedLoan adjusted the next monthly payment to the correct amount.
While this incident has been resolved for me, I have several concerns : 1. It took a month and a half and five inquiries before I was given the information necessary to resolve the concern. I doubt many borr  owers are this persistent.      2. I imagine most borrowers do not take the time to sort out payroll deductions, research the federal poverty guidelines, and do the calculations necessary to confirm that the servicer is billing the correct a mount. I worry that many borrowers who submit paycheck income documentation are being overbilled if pre-tax deductions are ignored.      3. Nowhere on FedLoan 's website ( that I can find ) is there any i ndication that an employer letter is needed to document pre-tax deductions. Nor is it in the federal income-driven repayment plan instructions. A much better arrangement would be for the servicer to contact the borrower if there are any deductions that they do not understand, so that the borrower has an opportunity to provide additional documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2018 about Vehicle loan or lease (Lease) with U.S. BANCORP (CA).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: Since the beginning of my lease, they have been applying payments incorrectly so every month my late fees were getting further and further behind. Now they are saying i owe all of that because the system they were putting my additional payments towards the base rent instead of applying those payments to any additional charges they were charging. 

Started lease payments in XX/XX/XXXX. In year XXXX I made 8 payments and including additional charges for taxes and late fees. So total of 5 late fees in that year which i already paid. Each payment I would pay over to include the late fee and the bank was putting those charges to the base rent instead of the late fees, so their mess up kept on making me behind in payments and not on time. 

For payments in XXXX, Each payment I would pay over to include the late fee and the bank was putting those charges to the base rent instead of the late fees, so their mess up kept on making me behind in payments and not on time. 

My statements shows i am past due payments totaling in over XXXX dollars every month when my lease payment is XXXX a month. Most of those months i paid XXXX or XXXX or XXXX higher to pay off late fees they keep on assessing. Every time they did not apply those late fees to any of my late fees. 

They will not correct the issue, and say i am still behind payments, but i have paid XXXX payments in year XXXX so i am not behind and made the full payments for year XXXX. I call the company every single month and have to correct this every time they say they will take care of it then assess me even more fees the next month. I have emailed that company to complain and they respond saying to reach a different dept no one wants to help out and i am about to take them to small claims for all the late fees i have paid them since they can't get it right and apply the payments correctly. 

Someone needs to stop this company from earing XXXX 's of dollars of people like me charging erroneous charges. For all the time i have had to miss work to call them and complain to the company they should be paying me for all the frustration and wasted hours on the phone.

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 03/27/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Hunter Warfield, Inc. (TX).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I have no knowledge of this debt. This debt was recently placed on my credit report. I was not notified properly of this debt before been placed in collection. This is a violation of my rights. Company is now close but debt continues to be sold to several collection agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2016 about Mortgage (VA mortgage) with WELLS FARGO & COMPANY (KY).
Issue: Credit decision / Underwriting

Complaint: I received a settlement offer from Wells Fargo Home Mortgage. The letter stated that I may be eligible for compensation as a result of a settlement. After further investigation, I discovered that the Department of Justice has enter into an agreement with Wells Fargo Home Mortgage to refund service members for interest higher than six percent on mortgage loans that the service member originated prior to entering XXXX XXXX. This is in violations of the Servicemembers Civil Relief Act ( " SCRA '' ). 
A settlement offer of {$5900.00} was made ; however, this amount does not cover the total time I served and paid at the rate of seven percent interest. 
I am seeking assistance from CFPB to help in achieving the repayment from Wells Fargo Home Mortgage of the entire difference for the total time I served on XXXX XXXX, based on the SCRA. 
I sought legal counsel and it was suggest prior to moving forward with any other action I contact CFPB.

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 12/21/2016 about Mortgage (Home equity loan or line of credit) with CAPITAL ONE FINANCIAL CORPORATION (MD).
Issue: Loan servicing, payments, escrow account

Complaint: PLEASE NOTE, THIS IS NOT A REPEAT-ITS A NEW COMPLAINT ON CAPITAL ONE Capital One, falsely claims that I never made payments for the months of XXXX, XXXX, and XXXX 2016. This claim is totally outrageous as the bank received, and cashed all those checks. 

I am requesting that Capital One adhere to they following : As a consumer, I have the right to ask that Capital One send me a print out of all payments received from me FROM XXXX 2016, and, detailing how/where payment was applied. Therefore, I want this sent to me. 

In addition, they should explain the meaningless charges on my account, like " what does 'other ' charge mean, and, what does this other charge called " other '' mean ( XXXX separate charges called " other ''? ) Remove all late fees charged to my account deliberately by them, as my payments were made and on time for XXXX, XXXX, and XXXX 2016 Start sending me monthly billing statement to ensure accuracy Credit my account appropriately for XXXX, XXXX, and XXXX 2016, and send prove of credit applied to the account. 

Please Note : That Capital One is quick to sight bankruptcy as an excuse for not complying and sending what is required of them. Therefore, let clear that now, I AM NOT IN ACTIVE BANKRUPTCY AND CAPITAL IS VERY MUCH AWARE OF THAT. 

SIGHTING THAT I AM IN BANKRUPTCY TO GET OUT OF COMPLYING IS OUTRIGHT SHAMEFUL THAT A BANK WOULD BE ALLOWED TO CONTINUE TO OPERATE IN SUCH A MANNER.

Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Amsher Collection Services, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I received an alert from my credit monitoring services, to check my credit reports. Credits Reports are showing an account opened on my behalf by XXXX XXXX ( date unknown ) and it was referred to a collection agency services on XX/XX/2016 with an outstanding balance of {$380.00}. The Collection agency name is AMSHER Collection Services, XXXX XXXX XXXX, XXXX XXXX, XXXX, AL XXXX / XXXX. Collection agency account number is XXXX. The collection agency referred me to a Law Firm called XXXX XXXX XXXX, phone number XXXX. XXXX does not have any record of me opening a business corporate account on my name nor SS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2017 about Debt collection (I do not know) with STERLING JEWELERS, INC. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: i tried contacting this company zillions of times and left voice messages never recieved a call back there trying to collect on a debt and ruin my credit i never opened with them and i sent them the police report multiple times throguh XXXX and XXXX they keep verifying this account, i never lived in ohio or been there where this account was opene

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2016 about Debt collection (Credit card) with Nelson Cruz & Associates LLC (FL).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: I received a threatening voice mail which I have recorded. 
This firm called me and stated they were the Law Firm of XXXX XXXX XXXX and that I missed a court appearance. 
I was very concerned as I have had financial problems in the past. 
I was told I was paying a judgment and it was a major discount. There were threats made to me if I did not comply.I have all of the paperwork to support this. 
I became very alarmed when I received a call and a letter from a firm stating that my account had been " recalled '' from Nelson Cruz and Associates and that my account was a simple collection matter. 
I was alerted that the payment made to this firm was not reported to them and they were shocked to see the evidence I had. 
I have read about this firm and have found nothing but negative statements and complaints. 
They are clearly a fraud and a scam. 
It is run by a man named XXXX XXXX that I have found out has been arrested XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/27/2017 about Mortgage (Conventional home mortgage) with CITIZENS FINANCIAL GROUP, INC. (MO).
Issue: Trouble during payment process

Complaint: CCO Mortgage is purchasing flood insurance significantly beyond that required by the document we signed when we got the loan and charging our escrow account for it. I tried talking to customer service, the CCO legal department and submitting a CFPB complaint but they have not acknowledged the referenced legal document we signed at closing. My original complaint was that CCO is purchasing additional insurance beyond what we agreed but CCO did not address or acknowledge the agreement much less indicate why they believe the legal agreement no longer applies. Therefore I am submitting this complaint hoping that they will actually address the agreement that they are and have been ignoring.

Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2016 about Consumer Loan (Vehicle loan) with TOYOTA MOTOR CREDIT CORPORATION (OR).
Issue: Managing the loan or lease

Complaint: We bought a car from Toyota several years ago. The XXXX CA office carried the paperwork. We paid the car off last XXXX and they sent us a paid in full ltr but have not cleared that loan with the reporting agencies as a {$390.00} balance. I disputed it online and sent the them a letter asking them to clear it to no avail!?

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 WELLS FARGO & COMPANY (CO).
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint: On  XXXX / XXXX /   2017  in the morning. A criminal was using my credit card to make various purchases. I had my physical card in my wallet at the time. I do n't know how the suspect received my credit card number. All transactions were resolved and card account was closed.

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