milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/16/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (AZ).
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint: OnXX/XX/XXXX, my application for Total and Permanent XXXX discharge was approved by the U.S. Department of Education. I am a XXXX veteran with a 100 % rating from the VA with an effective date of XX/XX/XXXX. According to the letter, I received from XXXX " Your loan holder ( s ) will return any payments that were received after your XXXX date to the person who made the payments ( that would be me ). The letter further stated that the discharge of my loans and refund of payments made would be made within 120 days. 

OnXX/XX/XXXX, I received a refund check from Ameican Education Services ( AES ) in the amount of {$5300.00}. This amount is less than my payments. I called AES the beginning of XXXXXX/XX/XXXXrequesting that the total amount of all my payments be sent to me, I was told my refund request would have to be reviewed and it would take 30 days. After 30 days I called again for the status, I was told it is still in review, I contacted AES in XXXX, XXXX, XXXX, XXXX and XXXX, I was told all five times that my refund request is still in review. 

I do n't have the total amount due to me because I only have a partial listing of my payments, I asked AES to send me my payment history from XXXX to XXXX, I was informed that it will take 30 days and that my history will be mailed, that was 60 days ago, and I get the same response of it taking 30 days even though it has been 60. My payment history on AES 's website only shows XXXX to XXXX. 

OnXX/XX/XXXX, I received a letter from the XXXX XXXX XXXX XXXX ( XXXX ) stating all of my student loans have been XXXX. 

Please assist me in obtaining the remaining refund, because I do n't have all my payment history I can not give you a specific dollar amount but based on how much I paid every month for 15 years. Also, will you assist me in obtaining my payment history from XXXX to XXXX. 

Because of my service-connected combat injuries, I am unable to work and I desperately need the remaining refund that was promised to me. Thank you for your assistance. 

XXXX XXXX XXXX Proud to Have Served!

Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2017 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (FL).
Issue: Deposits and withdrawals

Complaint: I have contacted Wells Fargo on three separate occasions both taking an extended time to even get someone on the phone. I have requested they stop my bill pay ; which they have not ; they have debited {$200.00} out of my checking account without my permission. When I called to request the refund, only 1 payment was refunded which took 48 hours, then I had to call back a second time for the second payment. I advised this has been cancelled both over the phone and via my online banking. Now a 3rd payment has been drafted. I have had to wait 48+ hours all three times ; I have had to make numerous calls and been financially inconvenienced by having to wait for the money to be returned. I called today Sunday XX/XX/2017 and after 3 phone calls and over an hour on the phone I was advised I would instead have to call back on a bank business day to have the payment returned. XXXX!!! They need to refund my {$200.00} immediately and CLOSE MY ACCOUNT!!!!

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 11-07-2016 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (CA).
Issue: Taking out the loan or lease

Complaint: I was pressured into a loan by XXXX Chrysler the loan interest rates were pushed on me I was told if I did n't sign I would not get a loan from anywhere else. And when I did return to the dealership with my other options they were out of Bussiness. I was taken adavantage of by the dealership and Chrysler capital financial over 25 % interest on a car that worth less then XXXX is criminal

Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2015 about Credit card () with SYNCHRONY FINANCIAL (IL).
Issue: Customer service / Customer relations

Complaint: I noticed on my credit report a charged off {$930.00} balance with Synchrony Bank for an XXXX card account. I called the available customer service number, gave them my Social Security number, then was told by an automated voice " we are not taking calls at this time. '' I have tried numerous times to contact the company to no avail. I do not know how I am supposed to rectify my past due debt.

Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (OH).
Issue: Getting a loan
Sub-issue: Fraudulent loan

Complaint: This complaint involves the Student Loan Company Navient and fraudulent loans. From XXXX I attended the XXXXXXXX XXXX XXXX XXXX for XXXX XXXX. At the time of my studies my Student loan provider was XXXX XXXX. XXXX XXXX split into two entities XXXX of XXXX and became Navient and XXXX XXXX. See Exhibit # A from the XXXX XXXX website discussing the split. I had a delay in my studies due to owing the XXXX XXXX XXXX XXXX money. In the spring of XXXX, I met with an adviser XXXX XXXX to return to the XXXX to finish my studies. I never heard from XXXX XXXX again and later found out in XXXX of XXXX it was because the XXXX XXXX XXXX XXXX was purchased by XXXX XXXX XXXX XXXX in XXXX of XXXX. See Exhibit # B from the State of Ohio showing the XXXX XXXX XXXX XXXX was purchased in XXXX. I can not receive reparations from XXXX XXXX XXXX XXXX XXXX due to school closure. The XXXX XXXX XXXX reporting exaggerated many things but most importantly, I believe I qualify for assistance because of school closure and because credits do not transfer. See Exhibit # C an unofficial transcript from XXXX XXXX XXXX XXXX in XXXX showing no XXXX XXXX XXXX Reporting Credits Transferred. In XXXX of XXXX, I applied for a Federal Loan discharge of my loans due to school closure. See Exhibit # D a letter from XXXX XXXX XXXX saying they do not service loans for the XXXX XXXX XXXX Reporting. On XXXX of XXXX, I received a letter from Navient saying they were going to resume collections on my loans. As I just learned of my rights of the victim of a school closure in XXXX of XXXX, I could not in good conscience resume payment. See Exhibit # E Navient Letter. On XX/XX/XXXX I sent Application for Defense to Repayment ( DTR ) to Navient. See Exhibit # F Certified Mail Receipt and Exhibit # G Application for Defense of Repayment. Navient has not answered in a timely manner. One final concern, Navient was included as a creditor in Bankrupty in XXXX. Normally, student loans are not dischargeable through bankruptcy. However, since this loan amounts to a fraudulent loan, I believe an exception should be made.

Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Eastpoint Recovery Group, Inc (NH).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: Representative from this agency called my mother threatened to take legal action against me if I didn't call to make arrangements to pay off debt when I kept explaining I was out of work at that moment. I explained I'll be more than happy to make payment plan but I needed time to find a job. The representative kept pushing and tried to involve my family to help me pay off this debt. I finally agreed to a payment plan and she kept threatening to take legal action for a payment I wasn't able to make on time and repeating office getting fee for returned payment. I made them aware of my financial situation but they insisted on having me enroll in a payment plan when I was out-of-work. I'm very disgusted by their intimidation tactics. I'm not refusing to pay. I'm doing my best to catch up with my financial situation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-01-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Credit Protection Association, L.P. (AL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: My identity was stolen and immediately when i realized this i contacted the companies as well as the credit bureaus and reported this. the only thing i got from it was a 90 day freeze on my credit accounts. the accounts wasnt removed from my credit. I contacted the lenders as well as the credit bureaus

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: Where is my credit report from these clumsy derelicts at equifax. I faxed them my information, copy of my last electric bill. Copy of my refund from my last landlord in XXXX, ca. I refused to give these clumsy derelicts my social security number on paper. These incompetent clowns send my wife a free report WITHOUT her actually asking. How ignorant is that?! # Where is my free report that should of been sent weeks ago. Especially since there sloppy website does NOT let me create a account. There generic XXXX website. Will not recognize me. NOBODY competent, marginally intelligent there fix simple blunders they self created. Futile calling all those sloppy unanswered phone numbers, getting jerked around it 's the wrong dept?! # Long wait times, incorrect options, evasive blunders with there sloppy robot generated numbers. WHERE IS MY CREDIT REPORT?! #

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-04-2018 about Debt collection (Other debt) with Southwest Credit Systems, L.P. (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I called SW Credit Systems LP regarding this dept from XX/XX/XXXX. The representative for SW Credit Systems explained this debt was generated in XX/XX/XXXX - then passed along to them. Therefore, this was placed in collections by XXXX in XX/XX/XXXX - 2 years and 7 months later. 

I had no idea this debt was lingering for this amount. Therefore, XXXX DID NOT alert me to this - then I moved/divorced my husband so no other notice was forwarded. The equipment was returned promptly as when he began his service.

Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with First National Collection Bureau, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I was advised by the Internal Revenue Service that my social security number and other confidential information were compromised. Sometime in XXXX to XXXX my personal details were stolen and have been used up to XXXX XXXX when a security alert had been placed on my credit files. These fraudulent accounts range from medical ; utility accounts and credit card accounts and must be deleted from my history. I forward the details of these accounts in question and a copy of the Identity Theft Affidavit and I have had no response from both the credit bureaus and the creditor/collections agent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2018 about Checking or savings account (Checking account) with SUNTRUST BANKS, INC. (FL).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: They have been GOUGING me with EXCESSIVE OVERDRAFT fees from about XX/XX/XXXX- XX/XX/XXXX, but the most recent is on XX/XX/XXXX for {$36.00}. I check this account daily and I am noticing that it 's  something not right. I 've spoken with someone several times and they 've all came up with different stories and reasons as to WHY I keep getting charged.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2016 about Debt collection (I do not know) with CITIBANK, N.A. (MI).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: 1. RESPONDENT ( S ) failed to rebut, answer, or respond, to C Constructive Notice of Conditional Acceptance, Affidavit of Specific Negative Averment, and Certificate of Mailing, USPS Certified Mail # XXXX XXXX XXXX XXXX XXXX, delivered XXXX XXXX, 2016 ; with bona fide evidence as proof of claim, done with and under a sworn affidavit, under penalty of perjury with unlimited commercial liability, with evidence attached, of all statements herein made being false, and a copy with all evidence and a copy sent to undersigned for rebuttal or acquiesce. That Conditional Acceptance upon Bona Fide Proof of Claim gave you a reasonable deadline to perform. And, at no time before then, or after then, have you requested a reasonable extension of that deadline. To date, RESPONDENT ( S ) failed to rebut, address, answer, or respond in this matter, you have chosen instead to fall completely silent. Accordingly, RESPONDENT ( S ) is now in default as against undersigned 's Constructive Notice of Conditional Acceptance, Affidavit of Specific Negative Averment, and Certificate of Mailing. Under the doctrine of " qui tacet consentire videtur, " he who is silent is taken to agree '', " silence implies/means consent ''. Moreover, under the doctrine, your silence has activated estoppel in this matter. 

2. I do not consent to your agency assigning disputed debts to law firms and third-party debt collectors without informing them that the debt is disputed. 

3. I do not consent to your agency contacting consumer with the intent to annoy, abuse, or harass consumer into paying. 

4. Your agency is prohibited from reselling any debts associated with the above matter, to protect consumer from the potential harm that results when debt collectors continue to sell and resell debts that may be inaccurate or lack the business records and information needed to collect them. 

5. If your agency attempt to collect on debts by suing consumer in court, please take notice that the consumer will file the Constructive Notice of Conditional Acceptance, Affidavit of Specific Negative Averment, and Certificate of Mailing, USPS Certified Mail Delivery Confirmation and this AFFIDAVIT OF NON RESPONSE.

Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2017 about Debt collection (Medical) with TRANSWORLD SYSTEMS INC (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This company recently bought a medical debt, they wanted to know if I got my  XXXX  on the  XXXX  of the month. They said they would keep calling until I paid. I told her I could not pay for awhile the bill is {$500.00} but they will settle for {$100.00}. Since then they have called my phone in the excess o f 12 times in two da ys but never speak, they keep it on mute. When I finally called back she said you do n't know what we want, I said yes your the same person I talked to and stop harassing me. She said she would take me off the list but hung up on me. They call from  XXXX  and  XXXX  they start calling at  XXXX   XXXX  and today is Saturday.

Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2015 about Money transfers (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (CA).
Issue: Fraud or scam

Complaint: i tried to sell my computer online and accidentally sent them money instead of accepting their payment

Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2017 about Consumer Loan (Installment loan) with Convergent Resources, Inc. (FL).
Issue: Managing the loan or lease

Complaint: MY NAME IS XXXX IN XXXX AFTER XXXX XXXX, I HAD TO CLOSE MY COMPANY AND I WROTE TO ALL THE CREDIT CARD COS THAT I WOULD BE VERY LATE W PAYMENTS, MY CREDIT WENT SOUTH BUT I KEPT STRICT RECORDS. NOW 16 YEARS LATER MY CREDIT IS AROUND XXXX AND I HAVE JUST RECEIVED MY XXXX. I AM HAPPY I PAID EVERYONE OFF IN THE LAST 7 YEARS. TODAY I RECEIVED A LETTER FROM CONVERGENT OUTSOURCING IN XXXX, WA SAYING THAT I OWE A VISA ACCOUNT {$540.00} ... .NOT TRUE. I PAID EVERYONE OFF ONE BY ONE WHAT SHOULD I DO? ... I THINK THIS IS A SCAM TO PREY ON XXXX RETIREES ... XXXX IS SCAM CAPITOL ... 
I COULD IGNORE THE LETTER BC THEY MASS PRODUCE THESE LETTERS HOPING TO MAKE MONEY OR I CAN SEND A TERSE LETTER DISPUTING THESE CHARGES ESPECIALLY WITH STATUTE OF LIMITATIONS AND THREATENING A LAWSUIT THRU MY LAWYER. 
WHAT DO YOU SUGGEST? THANK YOU. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2017 about Mortgage (Conventional home mortgage) with Aspen Yo LLC (IL).
Issue: Struggling to pay mortgage

Complaint: After 11 months of loss mitigation efforts, a modification was offered, however they only gave me 7 days  ( 5 business days ) to review and come  up with a down payment of  XXXX . We had an appeal sent out today to give us more time, but the down payment they are requiring is to " create an affordable payment '' however, I can not come up with that kind of down payment when they know my hardship was loss of income. I am back to work now and look forward to working with them but a down payment of  XXXX  is counterintuitive and almost impossible.  <P/> Also, I have been in review for several months and the sale date for   XX/XX/XXXX  was never cancelled, so we are citing " dual tracking '' and we are requesting that the foreclosure be placed on  hold while we try to find another, more reasonable solution. They are stating if I do not pay them  XXXX  by tomorrow the sale will still take plac  e on  XXXX 2017.
The lender moved for a foreclosure judgment or conducted a foreclosure sale in violation of Regulation X 1024.41 ( g ) or ( j ), which is a covered error under Regulation X 1024.35 ( b ) ( 10 )

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (DE).
Issue: Loan servicing, payments, escrow account

Complaint: Loan # XXXX Ditechh, Greentree Services To Whom it may concern ; The reason for filing this complaint is to report the incompetent and severe consequences I have encountered due to the actions ( lack thereof ) of Ditech & Greentree Services For the transition period XXXX XXXX, XXXX XXXX XXXX, XXXX is due to several components. The most significant impact and issues are primarily due to the following : XXXX, XXXX loan modification program started I set up monthly scheduled Direct banking payment to Greentree Services XXXX XXXX Greentree Services called asking for a payment " over the phone '', stated XXXX payment had not been received. Greentree Services told me to call the bank to " stop XXXX payment ''. I made a payment over the phone & paid {$30.00} fee to stop the issued payment. XXXX payment was received by Greentree Services in XXXX ( have bank documentation proof ) Greentree Services did not post until XXXX. I was told " do n't worryabout it '' Submitted XXXX payment on time. Greentree Services returned XXXX payment back to me, stated I was rejected from the program due to none payment in XXXX. Combined with NOT finding regular employment Low Sales of running a small business are the reasons for being behind on the mortgage payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2017 about Mortgage (FHA mortgage) with Seterus, Inc. (IA).
Issue: Loan servicing, payments, escrow account

Complaint: Since Seterus took over my loan, all payments for the last 3 years were made on a timely basis. My current statement shows a balance after the  XXXX  payment of {$150000.00}. Using the amortization schedule the balance should be around {$150.00}. Had they applied the payment timely the amount actually should be less. They need to account for the missing {$500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: On my  XXXX    XXXX   account the bureaus are reporting a late payment or a delinquency which is inaccurate i have send letters and also to the creditor, but so far no resolution have been made. please resolve this issue.   thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX Is reporting that my account is open and has a balance of {$24000.00}. This was discharged on XXXX XXXX, 2015 on my Chapter # XXXX Bankruptcy. It should be changed to account closed with XXXX Balance.

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2018 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TN).
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint: In XXXX I was attending XXXX XXXX of XXXX XXXX. I had to take withdraw because of high risk XXXX and had daughter at XXXX weeks. I had been hospital bedridden since XX/XX/XXXX. 

Then they said I owed even though it was a medical emergency. Later they kept saying it was in forbearance until last year at tax time they took my whole refund causing financial hardships and making it difficult with credit scores, trying to get back into school etc. It seems the amounts change so drastically even when I made the payment required from my tax refund. This has so much strain on myself and my XXXX child who is XXXX. It 's too much.

Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2017 about Debt collection (Other debt) with Pinnacle Credit Services, LLC (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have sent several certified letters to  XXXX ,  XXXX  and  XXXX  demanding that this item be deleted.  XXXX  deleted the item and should have reported the results to  XXXX  as well as  XXXX . All credit bureaus except for  XXXX  are still reporting this item on my consumer credit report.     Dates :  XX/XX/2014    Amount : {$520.00} Actions taken by me : Sent letters demanding that item is deleted from my consumer credit report.

Company response to consumer: Closed with explanation