milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/20/2018 about Student loan (Private student loan) with AES/PHEAA (FL).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: On XX/XX/XXXX I got served with a summons ( no court date ) by plaintiff and debt collections agency, XXXX XXXX , XXXX, stating that I owe them over {$17000.00} in damages from a student loan opened in XX/XX/XXXX for The XXXX XXXX of XXXX ( branched from XXXX XXXX XXXX of XXXX XXXX XXXX ). This is the first I have heard of XXXX and this loan, which prompted me to do research, initiate XXXX XXXX, and reach out for help ( I have notes of companies I traced back to as well as names of individuals I spoke with ). The complaint included a copy of a Loan Agreement with my signature, but once again, I have no recollection of this document ever existing. The XXXX XXXX have all been shut down due to a lawsuit against XXXX ( XXXX XXXX XXXX ) involving fraud in their financial department, and I believe it may be tied into all of this. XXXX itself is nonexistent on my credit reports but previous holders, AES ( American Education Services ) /XXXX, are. I have been given different information each time I spoke with AES except : the AES/XXXX account was opened in XX/XX/XXXX then closed in XX/XX/XXXX, which they say was when I last made payments ; however, I have not made ANY  payments to this account whatsoever! I only have two loans, both for XXXX XXXX XXXX of XXXX : one private ( XXXX  ) which was charged off, and one federal ( XXXX ) which I am currently paying.

Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Credit Bureaus need to be held accountable for their neglect and I want violation penalties accessed and awarded to avoid additional litigation and hardship that will be placed on the courts and myself. The XXXX adverse items on my credit report has caused me extensive damage and financial hardship. Despite Federal / State law and numerous request for the credit bureaus to delete and disregard the negative items and balance owed on all accounts reported by XXXX XXXX XXXX previously XXXX XXXX XXXX they have refused to comply. Litigation Case XXXX. The Judge ruled against bank for possible Mortgage Fraud, all payments and funds are held in XXXX County Superior Court.

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 06-05-2016 about Consumer Loan (Vehicle loan) with Westlake Services, LLC (FL).
Issue: Taking out the loan or lease

Complaint: I have been defrauded by Westlake Services , LLC. I have been with them for five years. 
When I went to get a 2nd car after paying off 1st car, I found out they never reported anything to credit agency 's. I have been fighting with them since then to report 1st car and now my 2nd car. They refuse citing absurd SSI problems " they cant talk about '' They are a predatory lender with uber complaints for same thing. I spent last 8 months trying to please them sending everything they requested over and over. I contacted credit agents and they said its clearly Westlake that is the problem! They have cost me thousands of dollars and lie about fixing credit to many people so you never get away from them it looks like to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-03-2016 about Payday loan () with Ad Astra Recovery Services Inc (LA).
Issue: Charged bank acct wrong day or amt

Complaint: Collections agency was giving the wrong information from the payday loan company about how have the transaction was issue. and the date was inaccurate there was no transaction issued on those dates. After sending bank statements of how transactions was issued and paid back through my bank account. XXXX investigated and sent the results back stating that this account have been deleted from my credit file. I 'm asking for the same results from the other credit bureaus XXXX and XXXX to delete this account that been giving the wrong dates and information to them. Account # XXXX. Asking XXXX to notify all credit Bureaus of this result immediately as XX/XX/2016.

Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2016 about Mortgage (Conventional fixed mortgage) with Caliber Home Loans, Inc. (FL).
Issue: Loan modification,collection,foreclosure

Complaint: My home is under foreclosure and a short sale has been in place since XXXX XXXX, 2015. We are dealing with a negotiator at Caliber Home Loans who changes her mind weekly about accepting or not accepting an offer. We have a XXXX lien which is requesting a specific amount of the loan to be paid towards them. Caliber previously agreed to paying them from the short sale and now is forcing us to use our relocation fees to pay for this XXXX lien. 

Meanwhile, another motion has been filed by Caliber to proceed with foreclosure. We can not seem to get this finalized once and for all. Our realtor has done all he can to work with Caliber on a resolution but to no avail. 

This process has been more than emotionally draining and frustrating. We are trying to avoid foreclosure and it does n't seem Caliber wants to cooperate and this particular negotiator seems to be the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2015 about Bank account or service (Checking account) with CITIBANK, N.A. (FL).
Issue: Deposits and withdrawals

Complaint: Hereby its a pleasure contact with yours referent to a matter where result be victim with Bank Citi is involved employees occurred with me account bank where I received me deposit direct each month, in addition after multiples complaint by negligence because the bank take me money and refused protect me account from individual, business, entity, merchants or any other, a as consequences after review me account find that the bank allowed that business or merchant take money from me account without me authorization, the bank has been advice of such fraud but allowed that its merchant, business or entity charge to me account transaction that has been return or in dispute some time the merchant was return a product or services due to numerously factors example in days or month after refund to the account the merchant agent or business have charge once time the same amount to me account believes me I never ca n't see what happened with me account but few days find that a merchant have charge to me account a transaction that was dispute with the bank and the merchant at the time of requested a bad services and product that was return and the merchant shall be return such amount to me account but two month after the same merchant requested to the bank the amount one more time caused a balance negative must find that me account have various transaction with the same situation or in some case the merchant not return the credit to me account or have charge for amount that I do n't have sign or authorized and the bank refused verified or invest above the merchant caused sever loss to me account today the bank concluded that a amount where the merchant was return the product and services the bank allowed that its merchant charge to me believes me I have a same incident numerously time in the same account where I have a loss around of {$4000.00} Dollars from me account with a similar incident believes me by resolve requested allowed open a investigation to the bank and merchant and requested back me account the amount loss consequences of negligent of the bank Very Truly Yours

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2016 about Debt collection (Medical) with Carter-Young, Inc. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Carter young is reporting to my credit file against Hippa laws Privacy laws and laws that state clearly an medical collection can not be reported if it is being paid by my insc it was XXXX XXXX XXXX is sharing this information that is protected by the hippa laws and the privacy acct MY medical records with any body who pays them My medical records are private and that incudes my medical bills account XXXX reported with a XXXX balance and is clearly a medical bill and it is illegal for them to report it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2016 about Money transfers (International money transfer) with WELLS FARGO & COMPANY ().
Issue: Other service issues

Complaint: We recently asked our Wells Fargo branch in XXXX, NC to transfer funds from our account at that branch. The transfer requested was an international transfer from our account to the bank account of a business in the XXXX. Wells Fargo refused to transfer our funds. We were told that Wells Fargo would only perform such a transfer if XXXX of us was physically present in the XXXX branch.

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 05-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: In XXXX of XXXX, I became separated from my wife. She returned to the household without permission in XXXX and my daughter and I moved out in XXXX. I had to change account information in order to protect myself from her paying off her credit cards on her own account. So used checking account to pay off Mortgage Payment in XXXX and XXXX. The letters were sent out and postmarked before the end of the month, but XXXX marked them as 30 days late because their processing was a few days after the end of the month. <P/>XXXX has processed loans later than the beginning of the month but has never reported me as late. They have responded with form letters and sent me a list of dates when my loans were processed which included payments posted after 30 days which they received within the 30 day window. I have requested info but so far I can only access the last 12 months. I have request the date received on these payments and they can not supply them. They do n't know when they got these checks so how can they penalize me and ruin my credit arbitrarily. <P/>I have included the XXXX payment that was accepted on the XXXX and not marked late. I have included my letter to XXXX. When I did an adjustment to my mortgage they told me that they could n't consider it until I was at least 60 days behind and then they processed the adjustment internally and did n't defer the three moths payments and caused derogatory credit marks that my relationship manager failed to disclose would carry over after workout period. My daughter 's medical issues and impending divorce are problems compounding their arbitrarily trashing my credit report and I am grateful for your intercessation and available at XXXX to discuss. <P/><P/>Thanks for your help, XXXX 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 explanation
Consumer complaint received 03-09-2016 about Consumer Loan (Installment loan) with WELLS FARGO & COMPANY (ME).
Issue: Managing the loan or lease

Complaint: Can my reverse mortgage lender refuse to continue/renew my current property tax loan? 

Hi, My lender, Wells Fargo, is telling me that they can not continue/renew my current loan that they had advanced for property taxes that were due. They have informed me that, unless I repay the full balance, they will begin foreclosure proceedings on my home now. I am told that HUD XX/XX/2015 issued new rules to lenders affecting reverse mortgage loans. Specifically, in my case, I now no longer meet the " XXXX '' requirement ; I am told that I am at XXXX %. 

I am XXXX years old and do n't want to lose my home. My husband XXXX last year, he was XXXX and had XXXX XXXX. We have never been late on any payments to Wells Fargo, and I can comfortably meet all my expenses, including the payment that I make to Wells Fargo for back property taxes each month. 

This change of rules came as a total surprise. I hate to say this, but I feel that I have been misled, unwittingly perhaps. To their credit, Wells Fargo has assigned a financial counselor to my case, XXXX XXXX, which I appreciate. I am told by XXXX XXXX, this HUD rule change is not only a problem for me but also pertains to many other seniors in our country who have property tax and/or home insurance advances from their lenders. I suspect that many of these seniors are not able to speak up for themselves and will, indeed, loose their homes.

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 11/26/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (MA).
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: On XX/XX/XXXX XXXX added {$5600.00} to my bill as a capitalized interest charge. On XX/XX/XXXX another {$500.00} was added for capitalized interest. I received no notification when these charges were added to my bill and only discovered them both in XX/XX/XXXX. I reviewed the reasons why capital interest may be charged and realized that none of them applied to me. I called to ask why I was charged a total of {$6100.00} and was told that it was because they did not receive my repayment plan recertification in time. I told them that I did recertify on time and even got correspondence from them telling me that they received my recertification form within the time frame allotted. I was then told that my initial request was incomplete because their link to the IRS was down ; this prevented them from reviewing my income verification. I am not at fault for a link being down. I should not be charged over {$6000.00} dollars for their technical difficulty. 
Every time I call I get misinformation. On XX/XX/XXXX I asked XXXX ( employee ID # XXXX ) to dispute the charge. I have not received any information from that request. 

On a separate issue, I qualify for PSLF as a XXXX XXXX employee and have been submitting requests for over a year to have my qualifying payments updated. I have never received feedback from any of the requests. Every time I call about this I am told that they will submit a new request and to wait 30 to 90 days to receive feedback. I am repeatedly told that delay must be because XXXX is still waiting for information from my previous lender, XXXX, to add my qualifying payments. I have been working as a civil service employee for 6 years. 

The misinformation is a HUGE issue. Please train call center staff to simply respond " I do n't know, let me find out for you/transfer you to someone who can give you that information '' rather than just making something up. 
For example, I was recently told, when asking for a breakdown of 1 of 2 consolidated loans I have with them, that the loan was not the consolidated loan that I thought it was, and that it had only recently been disbursed to the school I am currently attending. Fortunately, I have experienced a plethora of misinformation from XXXX representatives so I knew to ask to be transferred to a supervisor instead panicking and calling my school to find out where this large sum of money went.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: My SS #, birth date, address Driver 's License number and other confidential information was stolen in the recent Equifax security breach. I used the following website provided by Equifax to determine if my information was stolen, www.equifaxsecurity2017.com.
I will be filing a police report and a 90 day fraud alert on my file. I will also freeze my files w/all three bureaus and file a XXXX to the IRS. 

Please help me resolve this problem. A crime has been committed.

Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: FRAUDULENT ADDRESSES : 1. XXXX XXXX XXXX XXXX XXXX XXXX FL. XXXX 2. XXXX XXXX XXXX  XXXX XXXX XXXX FL XXXX 3. XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX 4. XXXX XXXX XXXX XXXXXXXX XXXX FL XXXX 5. XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX FL XXXX 6. XXXX XXXX XXXXXXXX XXXX XXXX FL XXXX 7. XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX 8. XXXX XXXX XXXX XXXX XXXX FL XXXX SOCIAL SECURITY NUMBER VARIATIONS : 1. 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 07-06-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (WI).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: on XXXX/XXXX/2017 we made our payments on time my husbands payment processed and mine did not even though we made the payment on time the payment for my account did not process and was assessed a XXXX dollar late fee and tried talking to them explaining that we made the payment on XXXX /2017 and it did not process I truly believe there system was having issues that the payment did not process

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 05/13/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with NAVY FEDERAL CREDIT UNION (VA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint: ISSUE : Request assistance in getting refunded {$420.00} of the full purchase price of $   XXXX  for Web Order Number :  XXXX   XXXX  WATCH  XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX  Part Number :  XXXX .     Attempted to resolve issue directly with  XXXX  on multiple occasions from  XXXX   XXXX   XXXX . Then sought resolution by submitting request to open an investigation   XXXX   XXXX   XXXX  with credit card issue r (   See Attached FILE  XXXX  ). Credit Card issuer applied a temporary credit back to my account on  XXXX   XXXX   XXXX .  Below  is the last reply to credit card issuer in response to correspondence informing of action from response from  XXXX   ( See Attached FILE  XXXX  ).     NAVY FEDERAL CREDIT UNION Credit Card Chargeback and Resolution   XXXX   XXXX    XXXX   XXXX , VA  XXXX   RE : NFCU Correspondence Cre dit Card  Dispute  with  XXXX   Online  dated  XXXX   XXXX ,  XXXX  Request an extension to suspense to reply to keep case open stated o n NFCU correspondence referenced on subject line. I have returned from a trip to Florida and today opened the NFCU correspondence with a suspense t o respond by  XXXX   XXXX ,  XXXX .     Based on the evidence provided and  NFCU  correspondence dated  XXXX   XXXX ,  XXXX , I had no expectation of receiving any other action regarding this case and quite surprised o f NFCU r esponse to remove the temporary credit.      XXXX   Response  :  Dated   XXXX   XXXX ,  XXXX , states The customer also received credit in the amount of {$50.00} for the  XXXX  + for the original watch to the original form of tender. Also stated There is no record of the customer returning the  XXXX  Watch  XXXX   XXXX    XXXX   XXXX   XXXX   XXXX  Ny.      Rebuttal  : Evidence presented is self-evident clearly showing that both of these statements are false. I have provided invoice evidence that I have paid twice for the same  XXXX   XXXX   XXXX   Watch.  Simple question for  XXXX  is to show where I have been reimbursed for the remainder of the  Online Credit  {$470.00} minus the {$50.00}  (  which was refunded correctly to original tender ) of {$420.00}.     The evidence provided shows clear and unmistakable error by  XXXX  for non-refund of a returned  XXXX  product in accordance with  XXXX  Sales and Refund Terms and Conditions listed under  XXXX  tandard Return Policy  XXXX  Watch Returns.      My expectation is for  NFCU t o fairly act, based on the preponderance of facts provided, to make temporary credit final to fully reimburse my account for the returned  XXXX  product. If this action is not resolved based on the evidence provided I will seek resolution from the   Consumer Finance Protection Bureau ( CFPB ).
Your assist  ance in this matter is greatly appreciated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/29/2017 about Credit card or prepaid card (Government benefit card) with Xerox State & Local Solutions, Inc. (GA).
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint: I made a purchase online for 2 bottles of facial cream from a company called XXXX sometime at the end of XXXX XXXX which clearly stated it costed {$12.00}. After using the phone system for Georgia 's child support XXXX on XXXX i noticed XXXX unauthorized charges. It took this long to catch the charges as this company does not provide any kind of statements and i have been locked out of their online system without any assistance to get back on. I immediately called to start a fraud claim the same day. I was given an XXXX # for the company XXXX XXXX XXXX who i called immediately on XXXX as well. After asking them to cancel my account XXXX cancellation # XXXX ) and to stop their fraudulent charges they stated in order to be reimbursed i would have to call back with the bank. After filling out the paperwork XXXX sent and waiting i received a notice on XXXX from XXXX that they could not find where an error occurred. 
I was told when i reported the fraud to XXXX that there was probably something in fine print about subscribing to something. Whether that 's the case or not, that 's the definition of fraud. Deceiving to gain monetarily. As i stated to XXXX, i did not receive any products, services, or emails from the fraudulent company ( XXXX ) besides the initial purchase for 2 bottles of facial cream that clearly stated {$12.00}. I could not even find a website for the company online.

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 09-03-2015 about Credit card () with JPMORGAN CHASE & CO. (TX).
Issue: Closing/Cancelling account

Complaint: my account is closed and its been years and IRS has also collected this information and considering my income i have already paid it off

Company response to consumer: Closed with explanation