milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/22/2017 about Student loan (Non-federal student loan) with TRANSWORLD SYSTEMS INC (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I was enrolled in XXXX XXXX at XXXX XXXX College. After a week of starting school, i was told by a financial aid representative that i was going to have to start making monthly payments to XXXX XXXX College for interest. I was told that if I did not make the monthly interest payments on time, that I would not be allowed into class until payment was made. I was then told that financial aid would not cover the interest payments, therefore i would have to take out a private loan through XXXX XXXX College so that I would be sure to make the monthly payments on time. The way the loan worked was every month the school would issue a check, which i would cash and then make my payment. I did not receive the full amount of the loan. It was a monthly check to make sure we payed our payment on time. XXXX XXXX XXXX College closed its doors on XXXX XXXX, 2016. Staff and students were notified through email on the same day it closed with no explanation. That next week the owner of XXXX XXXX College ( XXXX ) filed for bankruptcy. We later found out after trying to transfer to other schools that XXXX XXXX College maxed us out on our financial aid/pell grants/loans, making it impossible to transfer to any other school. I was told i would have to pay out of pocket {$5100.00} per semester if I wanted to finish my XXXX career. I 'm forced to discharge my student loans and lose all my credits that i worked soo hard for because I simply can not afford to pay out of pocket. I am " low income '' and may possibly fall under " below poverty level ". XXXX school was my dream, my chance to get off of government assistance and provide for my children and grandchildren ( whom i have custody of ). I gave up a lot while in XXXX school because being a XXXX was my passion. I went from a XXXX position at work to a XXXX position just so i can keep my grades up in school. I missed first day of XXXX for my grandchildren because i had to be at my XXXX at XXXX. I missed family birthdays, get togethers, sick days and dinners with my children because i made XXXX school my priority. That 's lost time I can not ever get back. XXXX XXXX College breached their contract with me by closing its door and not letting me finish my XXXX education. I do not feel like I should be responsible for a loan that XXXX XXXX College kept. Also i was told by FAFSA and Dept of Education that i was not suppose to be making any payments for interest until 6 months after I finished school. So I never even needed a loan that XXXX XXXX College told many students we needed to take out.

Company response to consumer: Closed with explanation
Consumer complaint received 10/29/2017 about Debt collection (Other debt) with Radius Global Solutions LLC (AZ).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: XXXX XXXX XXXX violated the Fair Credit Reporting Act. XXXX XXXX XXXX furnished derogatory information to XXXX, XXXX and XXXX. They are required to notify me prior to, or no later than 30 days after furnishing the negative information to the consumer reporting agencies, in writing, that such furnishing of negative information was going to take place. This is required under the FCRA, section 623, subsection ( 7A ). XXXX XXXX XXXX did not comply to this statue.

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 05/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: ATT OPENED AN ACCT IN  XXXX   XXXX . THIS ACCT WAS WAS OPENED FRAUDULENTLY WITHOUT PERMISSION OF MY INFORMATION. IT IS A CASE OF IDENTITY THEFT. THERE IS NOW A BALANCE SENT TO COLLECTION THAT IS HURTING MY CREDIT REPORT AND SCORE. I AM CURRENTLY TRYING TO FINALIZE A HOME LOAN AND AM UNABLE TO DO SO.     I CONTACTED  XXXX   XXXX / XXXX / XXXX  AND REVEALED THAT THIS ACCT IS NOT MINE. I WAS TOLD THAT THERE WAS AN INVESTIGATION ON IT DUE TO FRAUDULENT ACTIVITY. HOWEVER IT WAS CLOSED. I ASKED FOR IT TO BE REOPENED AND INVESTIGATED TO HAVE IT REMOVED FROM MY INFORMATION AND PULLED FROM COLLECTION. I WAS TOLD IT WOULD TA KE 5-10 BUSIN ESS DAYS TO BE RESOLVED.     I FOLLOWED-UP WITH A CALL TO   XXXX   ON  XXXX / XXXX / XXXX . THIS TIME I WAS TOLD THAT IT WOULD TAKE 21 DAYS TO BE RESOLVED. I TRIED EXPLAINING THAT I WAS TOLD DIFFERENTLY THAT IF THERE WAS ANYTHING TO BE DONE TO EXPEDITE IT SINCE IT WAS EFFECTING THE HOME LOAN PROCESS. " NO '' WAS THE ANSWER, UNWILLING TO EVEN BE FORTHCOMING IF ANYTHING COULD BE DONE.       Collection Agency   XXXX   XXXX   XXXX    O riginal Creditor   XXXX   XXXX     XXXX  Opened Date  XXXX   XXXX ,  XXXX  Balance {$3600.00}

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 09/26/2017 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services (MI).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I am a XXXX XXXX XXXX and work very limited, part-time hours as a XXXX XXXX XXXX XXXX. During the 14 months I had my XXXX XXXX XXXX credit card, I made purchases totaling {$360.00} and made payments from part-time jobs totaling {$420.00}. I had a balance of {$240.00} ... ALL of which were late fees and interest from when I was XXXX  in XX/XX/XXXX and in and out of the hospital/unable to work through XX/XX/XXXX. I was not even able to communicate much of this time as I was on XXXX XXXX medication and endured 5 XXXX. I was diagnosed with XXXX  XXXX, more commonly known as XXXX-XXXX XXXX. I am very lucky to be alive, but dealing with many issues as I had to withdraw from XXXX XXXX University and move home to my parents ' house. I was not receiving any of my mail at all as I was not even coherent enough to change my address with the US Post Office. I have called XXXX several times and some of the late fees were removed from my account and I was given a fax number for XXXX XXXX XXXX customer service to explain my situation. I have tried numerous times to fax them all of my documentation of my XXXX, but their fax number does not seem to be working correctly. I can fax anywhere else with no trouble, but these will not go through. To avoid further fees and interest, I paid the balance of {$240.00} on XXXX XXXX. I feel that this should be refunded to me as it is all interest and late charges from a time period in which I was clearly unable to work, communicate with XXXX or pay. I have had to get a loan to pay some of my debts from my XXXX and these fees and interest are adding to the problems.

Company response to consumer: Closed with explanation
Consumer complaint received 06/13/2017 about Debt collection (I do not know) with American Coradius International LLC (NJ).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: Based on the information provided in this complaint, this collection agency can cease and desist contacting me. In fact, this agency initiated phone calls, prior to sending any type of verification/disclosure in the mail of an alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MO).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am filing this complaint due to no course of action being taken by the following Experian, XXXX, and XXXX. These accounts do not belong to me. These accounts are fraudulent. I have filed a complaint multiple times and have not been formally notified to a resolution to the accounts listed below. I am requesting that these accounts be removed from all three reports immediately. If these accounts are n't removed in a timely manor I will take further action against the credit reporting agencies. 

XXXX XXXX XXXX Account Number : XXXX Account Type : Collection Account Account Status : Closed Monthly Payment : Date Opened : XX/XX/XXXX Balance : {$1200.00} Terms : High Balance : Limit : Past Due : Payment Status : Unpaid XXXX XXXX XXXX Account Number : XXXX Account Type : Auto Loan Account Status : Closed Monthly Payment : {$340.00} Date Opened : XX/XX/XXXX Balance : {$8400.00} Terms : 64 Months High Balance : {$6900.00} Limit : Past Due : {$8000.00} {$8000.00} Payment Status : Charge-off XXXX XXXX  XXXX XXXX XXXX XXXX Account Number : XXXX Account Type : Note Loan Account Status : Closed Monthly Payment : {$63.00} Date Opened : XX/XX/XXXX Balance : {$560.00} Terms : 9 Months High Balance : {$560.00} Limit : Past Due : {$700.00} Payment Status : Charge-off I also, noticed that the last payments have not been deleted on my student loans. I am also, going to file a formal complaint if this is not handled appropriately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: This is the third and last time I attempt to fix this with transunion. They are still allowing XXXX XXXX XXXX to illegaly collect a debt that is unenforceable and uncollectable. My previous disputes have simply been automatic responses from both companies and a proper investigation was never done because of it was, transunion would have found out this debt is illegal and unenforceable. This account still remains on my credit report and because of that, I will be filing a lawsuit against transunion and I will seek punitive damages as well since I have a letter from a creditor denying me credit due to this illegal account on my credit report. Ive attached the laws and statutes that transunion has broken and a letter from the Florida office of Financial Regulation that support my case.

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 11/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I recently viewed my Credit Report from each Beaureau, which shows a Bankruptcy Chapter XXXX on my reports. I have contacted each with a Validation of Information with no response after 45 days. The bankruptcy was never verified as mine and also shows date completed as N/A the Plaintiff also as N/A. The last four numbers of social security # showing on the reports is invalid. The info on this Collection is invalid and is not my debt. Please delete this off my report as of now.

Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Using a debit or ATM card

Complaint: I want to submit a complaint for Bank of America I used to be a customer I think I 'm no longer a customer since XX/XX/2016 due to some fraudulent done to my account. What happened was I applied for a long-term loan at home and I was approved for {$1500.00} not knowing that these people who I applied for a loan never existed. On the day that it happened I looked into my account and I saw that I was overdrawn {$460.00} I panicked so I went down to one of the branches I will need to speak to a loan officer but she really was n't any help she told me I had to call the claims department and Recovery, to find out what was going on they told me that there was XXXX checks deposited into my account by XXXX XXXX check was for the amount of {$360.00} and the XXXX was for {$280.00}. But nevertheless I have been trying to deal with these people I 've been calling and trying to talk to everyone and anyone in the recovery and claims department but they 've been pointing fingers at me saying that I 'm a thief I 'm not the victim. But I did report this incident the same day I found out what had happened to the police department then they assigned a detective on the case I also call the FBI in XXXX Florida and reported the issue I was advised to call the credit bureau. This is been going on since XXXX nobody 's returning my calls like they said they would call me back they close my account they flagged me down I 'm high risk. I also reported this issue to the Federal Trade Commission of fraud they also told me to call the Consumer Financial Protection Bureau and I 'm waiting for them to send me some forms so I can fill out and send them back so they can investigate. I told the bankers that I was going to go ahead and get an attorney to help me fight this because I will not let them slander my name will report me for fraud and not be able to open a bank account anywhere I 'm the victim not the thief and not because I applied for a loan online. Supposably these people that I apply for a loan they transferred XXXX checks into my account with an XXXX it had my name on the back of the checks and it was n't my signature at all and these checks came from out of state XXXX different companies. I need someone to help me get this resolved.

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 07/22/2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (NV).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Ten years ago I had a credit card and unfortunately my account was at {$10000.00}. Asset Acceptance now has control of my debt from this card. I have been paying through my work checks and have paid off {$2000.00} of the initial {$10000.00} owed. When I called XXXX XXXX, 2015 to settle this debt I was told that even though Asset Acceptance had my debt that they could not do anything and it was now with a law firm, XXXX and that they would have to take care of it. I received no resolution through Asset Acceptance, only sending me somewhere else. When I called XXXX, over ten times, I still did not receive a call back. Their voicemail stated that in order to get in contact with me I had to leave my social security number and I did not feel comfortable leaving something so secure on a voicemail. Finally after almost twenty attempts I was able to get ahold of XXXX XXXX, who bullied me to give him my name/social security number/phone number and then firmly stated he must have my address. I refused to give my address because I was advised that they do not need any information other than my name and social. He then bullied me into giving him my address by saying he would not work with me if I did not give him this information and that he will hang up and then to have a nice day so I gave in and gave him my information. He then told me that they had a different amount on file as payment received, about {$1000.00} less than what I had actually paid. XXXX then went on to tell me that if I wanted to settle then I would have to pay 83 % of my debit. The figure he gave me, over {$8000.00}, would be my settling payment. That settling payment with the amount I have already paid, {$2000.00} according to my previous employer that I have receipts of payment from, would total more than the actual {$10000.00} I initially owed. That means in order to settle I would be paying over 105 % of my debt to someone who told me I could ONLY settle for 83 %. This does not make sense. I asked if anything could be done, that I do not have that kind of money but could settle for less, and he refused everything and anything. I then expressed again that I did not have that kind of money and would have to file for bankruptcy and he said, " That 's fine. Just make sure you contact us and send us notice. '' Again, no negotiation or compromise. Settling does not mean pay in full. This was debt from ten years ago. I then expressed that I would file a complaint to the CFPB and he did not care. After all attempts XXXX XXXX would still not help. Asset Acceptance can not do anything, which they are the ones who actually have my debt, and XXXX will not settle for anything less than 83 %. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2018 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (NY).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: I did a promo with home depot with 6 months no interest rate, didn't know I had to pay the whole balance in order to get the promo, now they hit me with an outrageous interest rate because I didn't pay within 6 months please help with the outrageous add-on interest rate charge

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 05-05-2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Loan servicing, payments, escrow account

Complaint: In 2014 I made XXXX payments by mistake, and ever since Ive been calling because XXXX of thosepayments was applied to principal when I never said that it was for the principal. Whenever I call, Imtold that everything is fine, but when I get me statement, they charge me for XXXX months and withpenalties. I always send them what is necessary for the monthI never send them any more. I needsomeone to call them and to have them tell me the truth, since theyre always lying to me. Thank you. 
Im writing in XXXX because I dont know how to write in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2015 about Mortgage (Home equity loan or line of credit) with NATIONSTAR MORTGAGE (IL).
Issue: Loan servicing, payments, escrow account

Complaint: On XXXX XXXX, I requested and received a payoff quote from Nationstar. I transferred the money into my account and sent payment by express mail on XXXX XXXX, and it was certified received on XXXX XXXX. After not seeing the funds paid to my account, I called on XXXX XXXX and was told not to worry, that it could take up to XXXX business days to appear. This did not happen, so I called back on XXXX XXXX, and was told they 'd tracked down my check and my account number had not been recognized, but that it would be credited to my account and posted as of XXXX XXXX within three business days. Again, this did not happen, so I called back on XXXX XXXX and was told they would expedite the processing and this would be completed within 24 hours. This has still not happened as of today, XXXX XXXX. I 'm currently working with a customer service rep for Nationstar via social media, and it has taken all day without any update. I have a closing to sell my condo on XXXX XXXX and am very frustrated but also concerned that the closing will be postponed because of the several weeks it has taken for this company to process my payment to pay off my mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (LA).
Issue: Using a debit or ATM card

Complaint: Someone used my debit card number, not the actual card to rent a car and said they had my permission which they did not. I do not know the person. I filed a dispute with JP Morgan Chase which they applied a temporary credit for XXXX there were multiple charges ) they later reversed some of the credits. the total was over {$10000.00}. They told me XXXX had sent them paper work with someone elses name and my debit card number ( not through a POS ) and this constituted proof that I gave the unknown individual permission. This is " under investigation '' with XXXX now.

Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: XXXX XXXX XXXX submitted the claim without going undergoing the prerequisite legal procedure. I have since obtained a release for the garnishment on this case the case is in trial stage. Attached is a copy of the 'release of garnishment or attachment '

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 05-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: On   XXXX   XXXX   XXXX  , I filed a complaint with the CFPB re :  XXXX . It is now   XXXX   XXXX   XXXX   and you have not followed the guidelines of the FCRA or FDCPA which allows  XXXX  Days for your company to respond to the complaint. By not replying in a timely manner to my initial letter on you have not only violated federal law, but you have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the accounts are being reported accurately. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are entirely inaccurate and incomplete, and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Attorney  Generals o ffice, should you continue in your noncompliance. I further remind you that, as in  XXXX  v.  XXXX   XXXX   XXXX , No.  XXXX  (  XXXX .   XXXX   XXXX   XXXX   ), you may be liable for your willful non-compliance. As you have now violated federal law, by not properly investigating within the required time-frame, and I have evidence of such, via the CFPB website.You must now remove the items. I am filing a lawsuit against your company. I would be seeking {$1000.00} per violation for :  1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act These are the accounts that I demand removed : 1.    XXXX   XXXX    XXXX   2.    XXXX   XXXX     XXXX   3.   XXXX   XXXX   XXXX  4.   XXXX   XXXX   XXXX    XXXX   5 .  XXXX   XXXX   XXXX   6 .  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX .  XXXX   XXXX   XXXX  8.   XXXX   XXXX     XXXX  9.   XXXX   XXXX    10 .  XXXX   XXXX   XXXX  #  XXXX  11.  Judgement Case  #  XXXX . Please be advised I am also filing a lawsuit against your company for falsely reporting all of accounts above. None of my accounts end in  XXXX . You are not showing the full account number, which can easily belong to another person. Therefore, since you are not providing the full account number that is considered false information. You are now also in violation of the FCRA providing false information. The judgements CAN NOT be verified due to the fact that in your verification, it is impossible unless you file a motion to the court to obtain my full social security number to PROVE that the judgements actually belong to me instead of someone else with a similar name.

Company response to consumer: Closed with explanation