milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/20/2016 about Student loan (Federal student loan servicing) with AES/PHEAA (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: My XXXX loans given to be while attending XXXX XX/XX/XXXX, were converted to loans because the XXXX I ended up working for was not low-income ; even though, this is ridiculous because teaching in math is a difficult task in itself. That was problem number one. Problem # 2 - Then years later, my other loans from XXXX were taken by XXXX XXXX and then passed on to XXXX. This past year when I applied for the Teacher Loan Forgiveness, my loans from Navient got sent to FedLoan and since then ( XX/XX/XXXX ) I have been dealing with XXXX. To begin with, my account showed 'delinquent ' for an issue that was FedLoan 's for not applying my payments correctly. Currently, after trying to consolidate, my payment is high because the paperwork I submit is never correct, but no one ever calls or sends email to let me know what the problem is even though I always call to make sure I am submitting the proper paperwork. It seems as though all the people working for FedLoan have different information and there is no office where I can personally talk to someone. I just keep having to call an obscene amount of times talking to different people to give me different answers to my problem. This consolidation is XXXX too since once I consolidate that is when the 120 payments will start counting towards the Teacher Loan Forgiveness even though I have been paying now for 8 years and I am near the end of my 120 payment. I think that it is ridiculous how difficult it is to teach ( especially math in any school ), and how it is so difficult to have part of these loans forgiven after giving back to the community by teaching kids. The school rates are ridiculously high and all the hoops that one has to go through just makes it seems as though it is nearly impossible to have Loans forgiven after 10 years. There is something really wrong with the system. It 's like being punished for going to school. Now I see how people see going to school : as a way to be in debt for life and feel like one just works to pay off loans for getting an education. I am so tired of paying these ridiculous amounts in which my debt never seems to come down since it all goes to interest. I hope more people feel the same so there is a way to change this ridiculous system.

Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2018 about Vehicle loan or lease (Loan) with NICHOLAS FINANCIAL INC. (NC).
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint: I financed an use vehicle on XX/XX/XXXX.which turns out to be a lemon. Within the 1st week I had to return to the dealer 4 times because of engines problems. By the 3 week, I explained to the dealer that the vehicle they sold me a lemon and I wanted to return this vehicle or give me another one. The dealer informed me that they can not do trades. I continued to have issues with this car. It finally broke completely down. So I told them to come pick up this car from the mechanic shop ( 6 months later ). During this time I was still making my {$320.00} payment every month till the vehicle broke down. At this time I did speak with Nicholas Financial regarding all the mechanical issues I was having but they informed they could not reverse the loan. 

Now Nicholas Financial is reporting on my credit that I owe {$7900.00} for this lemon. I never received any type deficiency notice from them. Nicholas Financial also reporting payment history for XX/XX/XXXX and XX/XX/XXXX like i still have the vehicle, which is definitely affecting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2015 about Debt collection (Medical) with Richland Holdings, Inc. (NV).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have been divorced for 15 years. My son lives with his mom. She took him to the doctor couple of years ago. She forged my signature on the doctor 's paperwork. I was not aware she took him to visit the doctor, nor I received any bills since my address was not in the paperwork. I called the collection company Acctcorp of Southern Nevada and they said they do n't care that my signature was forge on the paperwork, and that I never receive a bill, I need to pay this collection because I 'm the father, and hanged up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (AL).
Issue: Closing/Cancelling account

Complaint: I just found out today my Bank of America XXXX XXXX credit card was closed by someone with the same name in XXXX. Why if they have been sending my statements to an address in AL they would start sending something to KY? How do a person with the same name except for middle initial close an account without providing security info? I am the primary and my husband was seconary, they said my husband closed the account, my husband was in the hospital in XXXX and still not able to use the phone. Where is the security, get this they ca n't reopen it for me or send me a copy of the letter they sent to the other guy telling him the account has been closed. It upsets me that anyone is allowed to manage your accounts.

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 11-09-2015 about Debt collection (I do not know) with Oxford Law, LLC (FL).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I have for the past 20 years or so been contacted by several different Collector Agencies ref another individual. Knowing these debts if any are sold to other agencies attempting to collect. It is beyond my comprehension how these agencies have associated my phone numbers with this individual. Since @ XX/XX/XXXX Collector Agencies have been in pursuit of XXXX XXXX XXXX. I do have knowledge of XXXX XXXX as he married my ex-wife. Other than this I know nothing more. How every phone number I have had ( XXXX ) through the years even when I lived in XXXX XXXX XXXX, these Collector Agencies have located my phone numbers convinced I was in frequent contact with XXXX XXXX. I had not heard from any Collector Agencies for several years until now, I received a call on XXXX XXXX, 2015, again looking fo XXXX XXXX. How they are still finding my phone number is a mystery. I did return the call to this so call Law Office suggesting they should cease and desist any more calls to my residence. This order by me met with ... .. '' WE WILL DO AS WE WISH '' even though I am not XXXX XXXX . The following is the information I have. I am hoping for resolution to this situation. OxFord Law Office. Contact : XXXX XXXX. Phone number XXXX. On my caller ID it appears the call originated from XXXX XXXX, number XXXX. 

Regards ;

Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2016 about Credit reporting () with Credit Plus Inc (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: The inquiry on my credit report was not mine. I called the company and their response was it was you and it will be removed when it ages two years.

Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: In accordance to FCRA XXXX XXXX, these accounts was further disputed in XXXX 2017. XXXX did not respond to initial dispute within 30 days as allowed by the FCRA. They have continued to report inaccurate information and these two accounts to two credit bureaus. In accordance, they are bound by FCRA to remove alleged debt from that is being reported. It is now XX/XX/XXXX, 2017 and past 60 days when these accounts were initially disputed. XXXX XXXX has continued to attempt to collect debt that they know is not valid and not able to be verified. Multiple disputes in regards to this issue have been filed over this, including a previous dispute with CFPB. In addition, XXXX XXXX, XXXX, Transunion and XXXX received certified letters requesting validation on this inaccurate report. They have blatantly broken the law as they relate to FDCPA and FCRA guidelines. On more than one occasion, I have tried to resolve this issue with them but they are refusing to follow the law in regards to this issue. The accounts need to be removed. They also stated that documentation was mailed to me which is false. Nothing since they placed these accounts on my reports has been mailed to me. The second issue is that it had been has been proven that the accounts are not valid, no information was provided to verify this account. They state that they are about professionalism but it is obvious that they are not. They have been deceitful, dishonest, and unprofessional in the manner that they have handled this issue from day one. I feel that the only course of action is to file a civil suit which my attorneys have drafted up and will present with my signed petition on XX/XX/XXXX/17. I am tired of dealing with this company and this issue. I will also be filing a complaint with the Attorney General as it is within my rights. They have made this process long and hard. I have also provided proof that they received the letters which was sent certified mail over 3 times to the credit reporting agencies and XXXX XXXX. Also they could not verify definitively that the accounts are mine and that they belonged on my credit. If they were sure they belonged to me, why is it so difficult for them to provide proof that this account is mine, I would like documentation with my signature, and receipts. This is what I mean by dishonest and unprofesisonal business ethics and practices. They have cost me money in this process of disputing with them and this is getting out of hand. They stated that they have a right to collect but they indeed DO NOT by rights and provisions provided to consumers under FDCPA and FCRA. This harassment and blatant disregard for the law is what is have me want to seek damages from XXXX XXXX with filing legal suit against them.

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 08-02-2016 about Debt collection (Medical) with D2 Management LLC (GA).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: Received a call at XXXX on XXXX XXXX, XXXX. After they verified i was the right person they then begun to dun me about a XXXX Mississippi hospital bill with a balance of XXXX. I asked when the service date was and was informed it was XXXX. Really XXXX I told the collector that the bill was not only out of statue of 7 years but 17 years old. I was then informed that I would pay voluntary or they would sue me. Really i asked i then stated to the collector the same information back. I then asked if that is an account they would sue and was assured it was. I then let the collector that I had been in collections for 30 years the last 15 in a collection law firm and I would be contacting the CFPB on his violations.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MD).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Reference closed complaint XXXX. My issue is that I did not agree to open or co-sign for this account. They opened it as a joint account with my ex-wife and I did not agree to a joint account.

Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (IL).
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint: I closed my Citi card account sometime in XXXX XXXX. On XXXX XXXX, they notified me that I had a balance of $ XXXX. I called in to ask what could be done, and they offered to wire the funds to my new bank account. I gave the rep my routing and account numbers, and then did n't see the money for about a week. I called in to ask what had happened, and they said the money had been successfully transferred. Several higher-level reps have agreed that what must 've happened was that the first rep typo 'd my account number but not my routing number, so someone else ( not me ) at XXXX has my {$150.00}. XXXX told me I needed to get the trace number from Citi so they could open an investigation. I 've gotten all the way to the " office of the president '' with Citi, and nobody has been able to get me the trace number. My first contact with them was XXXX XXXX ( that 's when I gave the rep my routing/acc # s ) - it 's XXXX XXXX and I still do n't have the money or the trace number. I keep calling them and keep being told " we 'll call you back Monday, expect the money by Wednesday '' or similar, only to not be called back and not receive my money. 

Call timestamps ( CST ) : XXXX XXXX - Time unknown ( already pruned from my phone 's recents list ) XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX I 've been promised callbacks no fewer than 6 times and never received one. It 's been a month and a half and I still do n't have my money. 

( The reason I 've been calling so many times since the XXXX is because I was given a direct number to the executive office on the XXXX, and every time I call it I get voicemail. )

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 10/27/2016 about Credit card () with BARCLAYS BANK DELAWARE (AZ).
Issue: Balance transfer

Complaint: I currently have a balance transfer offer on my account that should give me no interest until XXXX 2018. They stated that I could either transfer the money to my bank account on file or to another credit card. I took some time to ask about the details about the transfer and a few minutes later I attempted to take them up on their offer. In doing so, I was told by customer service that I could not take part in the offer becuase it had " just expired '' and was no longer available just after confirming that the offer was good until XXXX XXXX i was then told the only way to get this offer was to use promotional checks that I do not possess. I asked about these checks and ir was confirmed by customer service that there were none sent out for these offers. This is a simple " bait and swich '' scam and a deliberate attempt to NOT allow customers to take advantage of an advertised offer ; this needs to be investigated and criminal charges need to be filed.

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 05/21/2015 about Money transfers (International money transfer) with JPMORGAN CHASE & CO. (AZ).
Issue: Money was not available when promised

Complaint: On XXXX XXXX 2015 I paid {$1000.00} for trading company XXXX On XXXX XXXX 2015 I ordered withdrawal all my deposit, but they cancelled my request. On XXXX XXXX I ordered second withdrawal and this request was approved. They promise people money transfer XXXX7 days, but I did not received my money back. I contacted them on XXXX XXXX and they said that this transaction was approved on XXXX XXXX and was paid. I should received the money any day. Unfortunately, I did not received my money back. 
Today is XXXX month as they promised my money back and I think that they cheating me. In this case I was in Chase bank and asked for help. The banker called to an specialist but the person said that they rejected my claim because I do n't have any demanded proof. Such proof must be letter only, copy of email, no screen shot copy. 
So, from this next case I did not received any confirmation, any explanation from Chase bank. 

This is next proof that they discriminate me. Online transactions always where are and I believe will be mostly based on online documentation and such documents must be respect as proof. 

The XXXX is part of XXXX XXXX, which confused me in bank statement, because payment for XXXX is listed as XXXX XXXX, but I have conflict also with XXXX which also stole my money, however, this case will be in my next complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2018 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with Coinbase, Inc. (FL).
Issue: Managing, opening, or closing your mobile wallet account

Complaint: I purchased bitcoin ( {$500.00} ) on XX/XX/XXXX and sold it ( {$440.00} ) on XX/XX/XXXX. The funds did appear in my Wallet, but the funds never went back to my bank ( XXXX XXXX ). Coinbase Co. already had my bank and account number on file, so they should have been able to electronically move the money into my bank account. They make it almost impossible to get money back. Can you help? Thanks. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2018 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (TX).
Issue: Trouble during payment process

Complaint: Contacted Nationstar XX/XX/XXXX- advised requested PMI removal. Told by escrow department to send in form to request removal. 
Advised would need an appraisal to determine new valuation on property. 
Requested a copy of the origination appraisal as well to determine the figure they would be using to determine the LTV ratio, which was never sent to me. ( I personally don't believe they have a copy as I was told she couldn't find it and when the request was put in for research dept to pull it I was sent other loan docs, but never the origination appraisal ). 
XX/XX/XXXX-Sent in form via email and fax from information provided along with the appraisal district printout showing a large variance in my property value. 
Called & emailed into Nationstar again a few times in between and no response. 
Called in XX/XX/XXXX- escrow department states that they sent a letter to me denying back in XX/XX/XXXX, however I never received any letter of the sort. I was additionally advised that they would be able to obtain a new appraisal, if I approved, to calculate the current valuation of my home to determine property LTV ratio. This was never completed either. Per the escrow rep on XX/XX/XXXX, they use the origination appraisal ( the one that nobody can provide me ) in order to calculate this figure. 

No responses to my requests. No clear idea how to remove my PMI. No copy of my origination appraisal received still. I continue to have PMI being pulled monthly from my escrow account when I have been eligible and met guidelines to have it removed a significant time ago without action on the part of the mortgage company to advise how to do so nor response to my request to do so. 

I also have delivery receipts from the emails sent if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2016 about Consumer Loan (Installment loan) with Argon Credit (AL).
Issue: Taking out the loan or lease

Complaint: I recently applied for a loan with argon credit corporation for XXXX. I was approved, in a funding status and signed a contract to repay the loan. After a few days they never deposited the money into my bank account I called this loan company where my money was and they said they had a freeze on all loans and they would expedite my request to get my money. They later came back and denied my loan breaking their end of the signed contact and did n't give me my money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with LEXISNEXIS (IL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: On or about XX/XX/XXXX I mailed a public records investigation request to LexisNexis. Approximately 37 days I called to request the status of the investigation, at that time I spoke with " XXXX '' ID # XXXX who said he would search for my letter and call me back later that afternoon which he did. He indicated that my request was still being investigated. At the time of that call, LexisNexis was in violation of the 30 day FTC rule. Yesterday I received a response dated XXXX XXXX, XXXX, indicating that LexisNexis " verified '' the public record. Strangely enough, my wife, myself, and another friend submitted letters at the same time. My wife who was party to the SAME public record as myself, according to LexisNexis the record was deleted ( See enclosed letter ). Another friend of ours also had the record deleted because LexisNexis could n't verify it within the FTC guidelines ( See enclosed letter ). My investigation was certainly not within stated guidelines. Additionally, in the letter sent to me from LexisNexis ( See enclosed letter ), the document shows NO BANKRUPTCY or any other public record. XXXX was unable to verify this record so I would very much like to have the method and who of this verification, or a letter to reflect what their records actually indicate which is no public record.. Please investigate this to resolution ...

Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2017 about Debt collection (Other debt) with Convergent Resources, Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This line of service was opened without my consent. The account is fraudulent and I am not responsible for the charges.

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 08/18/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Transunion has not conducted a thorough investigation my inaccurate accounts on my credit file with them. The accounts has very inaccurate items reporting that are not and could not have been verified. They need send me proof or I will be forced to file a small claims suit and FTC complaint. I am writing through my own due diligence and telling me that the verbiage of my complaint sounds like something I would n't write is an insult and will be noted as a stall tactic to not conduct a proper investigation. Attached is my identification to show that it is me. This is for file number XXXX Dated XXXX XXXX, 2016

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