milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/29/2016 about Student loan (Non-federal student loan) with ACS Education Services (NJ).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: My student loan company, ACS Education Services, has given me a choice : I can receive monthly statements about my account, or I can enroll in an auto-pay program that results in a 0.25 % interest rate reduction. Obviously I want to reduce my loans as much as possible, and auto-pay is a great way to avoid missing a payment. So I took that option. 

However, without a monthly statement, I can not easily see how I am doing on this loan from month to month. For instance, I can not tell exactly how much I am paying in interest each month. There are " informational '' webpages I can access, which seem to provide a snapshot of the loan at that particular moment, but those webpages do not provide a monthly status report the way a statement does. Nor can I keep records of my ACS statements, as I do with my loans from another servicer. 

My question is : Is it appropriate and legal for ACS to refuse to provide monthly statements to borrowers unless we agree to forego the lower interest rates and auto-pay? Should n't they be required to provide monthly statements to everyone? It does not seem fair to force borrowers to effectively pay more, and lose auto-pay, just to have a monthly statement.

Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: My father has fraudulently filed for bankruptcy under my social security number in a different state.  XXXX  claims that they " verified '' that the bankru ptcy is mine after multiple disputes and sending proof that it isnt mine. It is not possible to verify this bankruptcy via US Bankruptcy Court of  XXXX  b ecause i have already called twice and they have stated over the phone that they DO NOT sent out verifications or have an online system for credit reporting agencies to validate bankruptcies.  XXXX  is in multiple violations of the FCRA and FDCPA.

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 01/20/2018 about Payday loan, title loan, or personal loan (Installment loan) with ONEMAIN FINANCIAL HOLDINGS, LLC. (MD).
Issue: Charged fees or interest you didn't expect

Complaint: After I received the loan there were additional fees add on as well as it feels like the interest rate increase.

Company response to consumer: Closed with explanation
Consumer complaint received 03-04-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Open date of XXXX account is incorrect an I request a deletion of the entire listing

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 05-01-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Stellar Recovery, Inc. (CO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: What happened to me is almost verbatim what is described in XXXX v. XXXX XXXX XXXX filed in Florida XXXX District Court. I switched from a reliable internet provider because XXXX was offering a higher speed ( XXXX ) for less money. What they did n't tell me was that the outdated lines in my neighborhood could n't support the speed that they had promised. For six months I struggled by with speeds between XXXX and XXXX, usually much closer to the XXXX which was completely unusable. I called XXXX 's tech support line numerous times with no relief. During that time, XXXX was being auto-paid directly from my bank account in full and on time each month. After six months, I had to cancel and switch back to a reliable provider. After termination, XXXX continued to bill me for another month before I was able to terminate the auto-pay. They then sent me a {$200.00} termination bill which I refused to pay since my termination was only due to XXXX 's inability to provide the service. I have tried to resolve this issue directly with XXXX to no avail. Their stance is that they provided me service at a reduced price for six months and are entitled to a termination fee. What I have pointed out and they seem unwilling to consider is that the " service '' that they provided during the six months was significantly reduced over what was promised. They charged me an extra month for which they were providing no service. And, the account was only terminated because of their inability to provide the agreed upon service. If anything, I should be sending XXXX a bill.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX XXXX is reporting my loan XXXX days past due but my next payment due on their website is XXXX/XXXX/XXXX. My payments are current.

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 04/20/2016 about Debt collection (I do not know) with AFNI INC. (KY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: i recently pulled my credit report and discovered that this company has reported that I owe them an un paid debt to. To my knowledge I have never entered into a contract with this company that would obligate me in any way nor have they provided me with any services or goods

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2017 about Debt collection (Credit card debt) with Orions Management Group, LLC (AZ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: Dear : CFPB I received a letter recently from OMG, LLC. ( Orions Management Group ), stating I owe a current balance of {$7600.00}. When inquiring about the debt, I was informed it was an outstanding debt from XXXX XXXX XXXX. I have banked with XXXX XXXX XXXX for fourteen plus years, including both a mortgage loan and deposit accounts. To my knowledge, I have never received any correspondence regarding an unpaid credit card balance with this institution. Furthermore, I spoke with XXXX XXXX XXXX representatives who were also unable to provide information regarding the debt. I also reviewed my credit report and verified that this debt is not listed as outstanding. I requested documentation from OMG, LLC., to provide evidence for the debt. I was supplied statements from XXXX that show a balance due ; however, none of the documents provide information pertaining to the original purchase ( s ). These statements provided do not appear to match any known debt with XXXX XXXX XXXX. I believe that I am a victim of identity theft and that the reported charges are a result thereof. The debt collector is calling and harassing my family, threatening to take legal action, and indicating if I settle by XX/XX/XXXX, I will only owe {$3000.00}. However, if I am unwilling to settle for this amount, they will take legal action and require I pay the full amount of {$7600.00} plus legal feels. They have claimed they have recordings of me from a year ago, agreeing to pay the debt. When I requested to hear these recordings, I was advised that they may not actually have them. I believe the threat of a false recording is being used to coerce payment for a debt to which I am not obligated. The debt collection practices are abusive in that they are threatening me and my family members. Additionally, the collection practices are deemed unfair as the company can show no evidence that the debt incurred is mine. I believe the intent to coerce payment from me is deceptive as the company is claiming they have recordings with me acknowledging the debt. Out of fear, I have taken time off work to try and validate this debt. I have lost sleep as I am afraid this company will take me to court for a debt I have not incurred. During this time, I have gone on-line and verified several complaints of similar abusive behavior. I am very afraid of what this can do to me both personally and financially. I am hoping that you can assist me and other victims like me. I have listed some examples of these victims I am speaking about below XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2017 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Equifax continues to report my child support payments. These payments are not a loan or revolving credit. I have never been late on these payments and i want them removed from my credit report. I 've asked Equifax to remove the payments from my credit report but all they do is tell me that the information is correct and they continue to report it.

Company response to consumer: Closed with explanation
Consumer complaint received 11/20/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (OH).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I took out student loans in 2006 to cover the cost of my attending XXXX college. I needed the loans because XXXX college reused to refund my tuition for a semester that after I had already left the college. I have been paying on my loans for years and the balance has only gone up. During that time I have gotten married and had XXXX children so my financial situation has changed significantly. 

I am currently in good standing with my lender but had to put my loans in forbearance sue to being laid off ( see attached ). While in forbearance I applied for extended my request was denied ( see attached ) on every single XXXX of my loans saying that my maximum terms were already met. Literally they are saying that there is no other option to pay my loan other than to pay them an unaffordable payment or go into default. 

I took these loans out before the financial crisis and they were paid to an institution that ultimately kept money from then XXXX XXXX for a semester that I did n't attend. These loans are following the same unsustainable path of the mortgage crisis and to make it worse the loans are not secured by any type of physical asset. 

Every month I am forced to chose between providing a decent life for my family and making payment to a student loan company that I simply can not afford. I have stayed current on my loans for years, and find it unacceptable that a company with such a horrible reputation be able to do this to my family and myself. 

I want Navient to work out a payment that I can afford even if I have to pay more in terest over the long term I must protect my family today. 

SincerelyXXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 12/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CORELOGIC INC (NM).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Yes I got an alert from XXXX XXXX saying I had some hard inquiries recently. The two I do not recognize or did not give consent were both on XXXX XXXX, 2017 from XXXX and XXXX. I 'm not sure where they came from or how they obtained my information. I did not authorize them to access my credit report.

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 01/19/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CT).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Difficulty making payments on a private loan formerly with XXXX XXXX ( currently with Navient ) for XXXX XXXX to XXXX XXXX XXXX XXXX XXXX, XXXX, MA. Navient refuses to postpone or significantly lower payments after 10+ years of paying on-time.

Company response to consumer: Closed with explanation
Consumer complaint received 05/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NJ).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX   XXXX   XXXX  provided documentation to remove this account from my credit file   XXXX    refuses to remove the account.  XXXX  does not read the letters provided in order to correct the credit. If this error does not get removed from my credit file asap, i will file court proceedings against them. i have further attached the documentation.   it has been over 6months since the last filed complaint that was never cleared.

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 09-01-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with GULF COAST COLLECTION BUREAU, INC. (FL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I sent a letter requesting for the debt collector to validate a debt based on a letter I received from them. They responded back without validatng the debt. The information they sent does n't have my signature accepting service from their creditor or any pertinent information. There is no proof submitted. Also, I stated I do n't know this doctor and the date of service is almost 2 years ago. I had two different insurance ( primary & secondary ) during that time period. If their billing person did not bill correctly the insurance companies ; then I am not responsible for the bill. Also, if another doctor took over the practice ; then the new doctor can not claim service he did not perform. That is fraud!!! Information provided is proof but something printed out from the debt collector 's computer system. It does not show proof from the creditor!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: We just tried to call Navient to resolve our payment plan issues ( see previous complaint ). And the website says they close at XXXX. XXXX, tried calling twice, the service says that are closed.

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CT).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: In XXXX 2016 I renewed my application for my IBR plan. I was aware that my new income would increase my payment, but was expecting to hit my standard payment maximum that was given to me in XXXX 2016. Navient processed my information incorrectly and is trying to get me to pay significantly more per month than I should have to pay. From the studentaid.ed.gov the cap on my payment amount should be " Never more than what you would have paid under the Standard Repayment Plan with a 10-year repayment period, based on what you owed when you entered the IBR Plan. '' However, Navient representatives were claiming that I no longer qualified for the plan and would have to reapply and receive a new level payment. Some representatives even told me that I would have been better off not reapplying for the IBR plan and just letting my application expire. All of this seems like gross incompetence. 

After many calls I was able to speak with a supervisor who confirmed that I was incorrectly placed on a new level payment plan and should instead be paying my standard payment maximum given to me in XXXX 2016. This was a relief as this was the first person in a month who I talked to that seemed to know what was happening. 

I was told that my case was going to the processing team to be fixed and that I would be contacted by her soon. A week went by with no contact, so I reached out only to be able to leave a voicemail. After not receiving a response I called back on the general Navient line only to be told I should wait, that supervisors always respond to their voicemails. I waited two weeks, and then called back on the general Navient line, and through many hoops I was told that my case was being worked on. Wonderful! 

Today I received contact from Navient. I was hoping to see that my plan was fixed only to see that they had incorrectly processed my plan again, for a new HIGHER payment than my previous one. So after two months, many calls and complaints, and confirmation from a supervisor that my plan is was incorrectly processed nothing has been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2017 about Payday loan () with Enova International, Inc. (VA).
Issue: Charged fees or interest I didn't expect

Complaint: Borrowed {$600.00} dollars from cash net usa. My understanding was I would make XXXX payments then I would be done. But, they are charging excessive fees and interest that equals {$610.00} XXXX of XXXX : {$600.00} Outstanding Balance :? {$610.00} Available Credit : {$100.00} Next Statement Close Date : XX/XX/XXXX Minimum Payment Due : {$180.00} Scheduled Payment Date : XX/XX/XXXX I have already made XXXX payments {$140.00} and {$220.00}. {$610.00} is excessive for borrowing {$600.00} dollars. How can this be legal? It is unfair treatment. I live on XXXX. and {$600.00} is almost the amount I receive every month. {$890.00}

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2016 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I disputed an item on my credit report for a judgement for XXXX XXXX company. I provided Equifax with a copy of the judgement letter that had another person 's name and a different total amount.The person on record was a XXXX XXXX and the amount was {$1200.00}. Dispute having an incorrect name and amount, Equifax still reported that the item belonged to me.

Company response to consumer: Closed with explanation
Consumer complaint received 08/29/2017 about Mortgage (Other type of mortgage) with CROSSCOUNTRY MORTGAGE INC (NJ).
Issue: Applying for a mortgage

Complaint: I know that the XXXX branch of Cross Country Mortgage ( owned/run by XXXX XXXX XXXX, rather than using a secure XXXX network to transmit the MOST sensitive information possible, is routinely using the unsecured GUEST network of their neighbor, XXXX University XXXX XXXX, for all of their internet activity. The branch employees do n't even know the correct password to their own network.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-07-2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Trouble during payment process

Complaint: Ocwen is  my loan servicer for my mortgage. In    XX/XX/XXXX   , they denied my application for loan modification. Instead, as I was not working at the time put me in an unemployment program which took my payment from {$2400.00} to {$2200.00}. As it was explained to me the difference in interest could be paid later and added to the principle. I was told after a year they would relook at the modification opportunity and if I was working I would probably be approved.   O n  XX/XX/XXXX  I calle d  XXXX  to look at refinancing my home. Finally, after 12 years of making my payments on time automatically out of my credit union account, I truly felt I was finally out of the water.   What the rep from  XXXX  told me was  Ocwen had  been reporting my mortgage being paid late since I opted into this program. She could not help me.   I never agreed to enter into a program that would report my mortgage being late, This would have ruined any chance of ever refinancing my horrible loan.I never signed anything agreeing to this as well, which  Ocwen  confirmed as they stated that could n't find any document signed by me.   This is n't the only tim e Ocwen hav e messed up on my payments. Fo r one year they impounded my taxes and home insurance from my checking account without m y authorization. I have always paid for my own property taxes and insurance. They eventually refunded the money they took and blamed it on a new system they had started using. Again I never signed anything for them to withdraw this money from my account.   I have sent a fax of notification telling them to remove these negative marks on my credit bureau. As my wife and my brother who 's a   XXXX   are also listed on the mortgage are also being negatively affected.   I need to refinance my  XXXX  loans that I originated back in  XXXX  and until these reports are removed I will be unable to.

Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2015 about Credit card () with TD BANK US HOLDING COMPANY (OK).
Issue: Other

Complaint: was put on a creditcard as other user but had my own card with same company and now its showing up on my credit report as bad credit when I never used it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/15/2016 about Credit card () with DISCOVER BANK (CO).
Issue: APR or interest rate

Complaint: I transferred a balance in XXXX XXXX to Discover Card services with a promotional 0 % interest rate until XXXX XXXX. The card also gave me a 0 % interest on new purchases until XXXX XXXX. In my agreement it stated that all payments would be applied with the majority going to the promotion that had the higher interest rate or in the case that was the same the one that would expire first. They instead applied the majority of my payments to the balance transfer that is not due until XXXX XXXX paying it almost in full while the purchases have accrued to more than what the original balance transfer was. I have statements from the CC company showing this and my original agreement. Instead of my payments being equally distributed or majority going to the new purchases as described by Discover, they have forced me to either pay off the new purchases in the amount of $ XXXX by XXXX XXXX, XXXX and leave the original balance transfer that was under {$1300.00} that they have paid down to $ XXXX and was n't even due until XXXX XXXX. Very unethical practice to force me to pay 25 % interest on something I was paying on monthly so I would not have a large balance to pay off in XXXX XXXX. I find this practice deceiving and verging on deceitful to change a 0 % interest into 25 % interest. BEWARE of Discover!

Company response to consumer: Closed with explanation