milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/24/2017 about Student loan (Federal student loan servicing) with NELNET, INC. (OH).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I have a series of loans for my daughters ' college tuition financed by Nelnet. Although my daughters graduated several years ago, Nelnet auto debits my payments each month from my checking account and the interest rates are all fixed. Nelnet is increasing my monthly payments for the second time since my daughters ' graduation dates. I received a notice from Nelnet that it would increase my payments by more than {$130.00} per month. I called its customer service number and requested a management audit of my loans and payment history. I received an updated notice from Nelnet that indicated it would increase my monthly payments by approximately {$30.00} per month. I never received the detailed explanation from a Nelnet manager explaining how my payments could increase if the principal amount loaned did not increase, I did n't miss a payment and the interest rate is fixed.The only possible explanation is that Nelnet is misapplying my payments. Again, I request a full management audit of my loans and payment history, and a senior manager 's detailed explanation of why Nelnet has to increase my monthly payments.

Company response to consumer: Closed with explanation
Consumer complaint received 04-02-2015 about Credit card () with SYNCHRONY FINANCIAL (TX).
Issue: Late fee

Complaint: Received JCP Credit Card with a mere {$150.00} limit. Used it a few times over XXXX months or so. My credit score was XXXX. Just by using the card, because the limit was so low, my credit score dropped to XXXX. Then I had late payments to JCP because they would n't accept debit or credit card payments online or by phone! They ONLY accept checking account numbers and bank routing numbers online or by phone. Said I could visit XXXX of their stores to make payment - uh - I shop online and never go into their stores any more! After many discussions with JCP they finally accepted debit card payment by phone today ( not until my credit score was dinged another XXXX points lower ) but charged me more than {$80.00} in late fees. You 've got to be kidding! NO ONE gives their checking account and bank routing number for online payments because hacking is too prevalent. Use of a debit card draws funds from checking without exposing the entire account to fraud. If something goes wrong the debit card can be killed. Who does JCP think they 're fooling and why are they making it so difficult for consumers to pay their bills and charging late fees when we do n't want to provide the newly demanded information? Maybe it is just a way for them to collect a lot of late fees. Maybe they 're about to go bankrupt. Insisting upon direct bank account info as the only phone or online method of payment should be illegal! Call their payment line. Listen to the recordings. You will hear that checking account and routing information is required now. No options for plastic or money orders etc. This is a recent change by JCP. How dare they penalize me for declining to provide my direct checking information! How dare they hurt my credit score because I refused to give them direct access to my bank! I want all of my late fees reimbursed NOW.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03/31/2017 about Debt collection (Credit card) with CAVALRY INVESTMENTS, LLC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: Back some time ago a LOT of credit cards were opened with my information mysteriously as soon ( or close to ) turning XXXX. For example I had a XXXX dollar credit card opened with XXXX. When I found out, It was a little too late because the perpetrators have gobbled up all the money. Not knowing what to do, I went to my local XXXX. I spoke with someone and told them someone stole my identity and opened a lot of credit cards with my information. I was turned away and I was told to start paying the amount owed. The representative said " They MUST of gotten the information from somewhere '' " It 's probably someone you know '' and I was n't offered any help. Well here we are, I have an XXXX credit card, XXXX card, and the largest XXXX cards that were opened without my knowledge. Considering I did n't open any of these credit cards, I 'd like to find out some help or advise.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-07-2017 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: XX/XX/XXXX charged {$230.00} at Discount Tire who uses Synchrony Bank. Was a 6-mo no interest acct, made 5 payments of {$46.00} each from XX/XX/XXXX through XX/XX/XXXX for ttl of {$230.00}. Due date for each payment was XX/XX/XXXX of month, my bank statements show that each payment sent by my bank on XXXX of each mo except for one for XX/XX/XXXX sent on XX/XX/XXXX - these were auto-payments that I set up via my bank. On XX/XX/XXXX received email saying I owed {$29.00}, but did not see the message & saw next email message XX/XX/XXXX saying I owed {$31.00}. XX/XX/XXXX called Synchrony customer service & eventually spoke to an XXXX who said he was a supervisor. First said I had missed the XX/XX/XXXX payment - gave him the dates and amounts of payments telling him to multiply them and he agreed they totaled {$230.00}, then he said a payment was late - again went over the payment dates.Then told me some convoluted explanation that because the due date was the XXXX of each of the months and the payment that came in on XX/XX/XXXX, did n't get credited for XX/XX/XXXX Told him it was a completed scam that because they received 2 payments in XX/XX/XXXX - one on the XXXX and another one on the XX/XX/XXXX that the 2nd payment at end of XX/XX/XXXX but for XX/XX/XXXX did not get credited and I wanted this fixed immediately. After several long holds I was told that the " people he had to talk to '' had ok 'd taking the extra charges off my account, that he could not send me an email confirming this, but I would either get an automatic email or a paper statement showing a XXXX balance. I have today received an alert from XXXX telling me I have a delinquency on my credit report. XXXX uses XXXX and my credit report on XXXX website does show the account as delinquent - and in fact their entire record of my payments are incorrect. I filed an online investigation with XXXX and am faxing them my bank statements. I also wrote a letter to XXXX, CEO of Synchrony - but at the time I thought the issued had been resolved per XXXX. I have a feeling they use what I would call " fuzzy accounting '' - not crediting a payment because 2 payments arrived in the same month is ridiculous - I believe they are trying to get more money out of fully paid accounts - and their customer service people obviously lie about clearing up issues. I have an excellent credit rating & they have now defamed my financial history - I have not yet checked the other credit reporting agencies, but this is probably also on those records

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 04/23/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with Specialized Loan Servicing LLC (GA).
Issue: Loan servicing, payments, escrow account

Complaint: Specialized Loan Servicing bought my home loan on XXXX XXXX 2015 and I contacted them XXXX XXXX to make payment and additional principal payment. 

They applied my additional principal payment to a regular payment which left a balance they collected as a fee. I called about the payment but was assured the principal would be corrected and the balance would be reflected on XX/XX/2015. 

I checked today and my additional principal has been turned into fees and the additional payment is all but confusing on the statement online.

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2015 about Mortgage (FHA mortgage) with NATIONWIDE ADVANTAGE MORTGAGE COMPANY (OR).
Issue: Loan modification,collection,foreclosure

Complaint: While waiting on loss migigation nationwide advadvantage sold our home

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/25/2016 about Credit card () with CITIBANK, N.A. (VA).
Issue: Billing statement

Complaint: ISSUE : NewCredit card issued by Citicorp for Costco. 
Must call Citicorp XXXX number to pay bill and does not disclose my amount to pay each month. Unable to use my current checking account with XXXX directly to pay. Used to be able to use XXXX directly with { Costco } XXXX credit card. Appears like restriction on banking.

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 02-01-2018 about Debt collection (Credit card debt) with CITIBANK, N.A. (PR).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: i dont have any account balance whit sears card and in XXXX XXXX pages reflects a {$68.00} balance active.

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 06-12-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with DISCOVER BANK (KS).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: I have been lied to numerous times by this company. I lost my job and feel a bit behind. When I was contacted by collections they said I would be put on the Fresh Start program, which was a program, where I paid {$90.00} for 3 months and the account would be re-activated.     When I called in to make my payment, the collections rep said  Well  your account is only behind {$120.00} or some weird amount, and said if I was to pay that my credit line would be unfrozen. I paid that, and the account remained frozen.     Then I was told that if I paid all the collection accounts on my credit bureau, the account would be unfrozen. To date, I have paid every debt I have with the exception of  Discover  Card, who I have been current with for months, but they refuse to unlock my credit line dispute my complying with everything they have asked for me to do to unlock my credit line. I even provided them with copies of the letters from my supposed Bad debts from the data-furnisher themselves, and copy of the certified checks sent to them, but they wont unlock the credit line.     This company has lied me to at leas t seven  times, and their internal collections department will do anything to make you pay more and wont keep up their end of the bargain.     These are a bunch of lying thieves who do nothing more than pray off of sub-prime borrowers.

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2018 about Checking or savings account (Checking account) with HSBC NORTH AMERICA HOLDINGS INC. (PA).
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint: The checking account was closed manually on XX/XX/XXXX because I live in PA and the bank is located in NY. I subsequently made an in-person visit to the bank on XX/XX/XXXX and instead of ensuring that there would be no other activities on the account they failed to act until the following day. Now I am being charged 7 overdraft charges. They paid some charges which I had stopped since I got verification from the payees that those payments were received I have no objection paying those.

Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2016 about Mortgage (Other mortgage) with OCWEN LOAN SERVICING LLC (NY).
Issue: Loan modification,collection,foreclosure

Complaint: There was a tradeline on a 2011 XXXX credit Report from " GMAC XXXX '' I never had a mortgage with GMAC. 
I called a number for what I thought was GMAC and was told it was Ocwen and that they had just bought out GMAC. 
The person I spoke to asked me if I had a mortgage go into foreclosure. 
I told them I had not, but there was possibly a mortgage in foreclosure on a relative 's house who had died, but the loan was not in my name. 
He claimed to have nothing under my name, SS number or that of my relative 's. 
He could not explain why MY credit was pulled then. 
He suggested I send a copy of my credit report with the inquiry on it. 
The address I was given is similar to another address for a XXXX account that was an another of my credit reports, also not mine. 
I never sent it because something just did not sit right with me over this situation. 
I called another day and was told it had something to do with a checking account-not clear what it was. 
I have on my notes " XXXX XXXX '' and " XXXX XXXX '' but not sure who they are-reps maybe? 
Was also told to call XXXX XXXX-they were of no help either. 
The address on the inquiry is GMAC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA I put down GMAC as the property address because I do not know the property address.

Company response to consumer: Closed with explanation
Consumer complaint received 09-06-2017 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: To Whom It May Concern ; I would like your office to investigate the following. I paid in full an amount owed to XXXX XXXX XXXX XXXX in California, which was submitted to a third party collection agency, XXXX XXXX. In addition to the payment, I made 4 copies of the money order as proof of payment, because I knew I could n't rely on the collection agency to report the payment to the bureaus and have it removed from my profile. I mailed it to the collection agency and the 3 credit reporting bureaus on XXXX/XXXX/XXXX. As of today XXXX/XXXX/XXXX the debt is still listed on my XXXX XXXX profile as unpaid. 

Additionally, I filed a dispute with all 3 bureaus regarding a co-borrower account that belonged to my son, who did not have my written authorization to use me as a co-borrower. Nor did the apartment complex XXXX XXXX have my signed authorization to use my information as a co-borrower. If they would have had my full and complete information the transaction would not have gone through. The apartment complex has not and can not furnish any proof of my written consent, yet they still insist the debt is mine. My son has since paid the debt in full ; yet the collection agency XXXX XXXX and the apartment complex refuse to remove the account for my profile. It seems like the collection agency is looking to get paid twice. Which I 'm sure is a common practice with collection agencies. 

Both of these are having a negative impact on my credit score and I am determined to get all of my debts paid off. The 3 credit reporting agencies and the collection agencies are n't acting in the best interest of me as a consumer, because they are not enforcing the rules and regulations which require the fair and accurate reporting of my debts and payments. 

If you could look into and help me resolve this matter I would be grateful. 

Sincerely, 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 01-02-2017 about Credit card () with AMERICAN EXPRESS COMPANY (GA).
Issue: Rewards

Complaint: On XX/XX/2016 I applied and was approved for a Platinum Card with a sign up bonus of XXXX points under the condition that I spend $ XXXX in 3 months. I received the points XX/XX/2016. On XX/XX/2016 I contacted Amex customer service via chat ( screenshot provided ) and asked if me returning an item would cause me any issues with my sign up bonus of XXXX and asked for confirmation that I would get to keep my points without issue. The representative ( XXXX ) assured me that it would not cause any problems. 

Thus, I was surprised to find that on XX/XX/2016 my XXXX sign up bonus was removed from my account. When contacting Amex, they transferred me to several different departments until giving me the reason that the points were removed because of " returns ''. They then said started an investigation and put a hold on all of my remaining points in my account thus preventing me from using them during the holiday travel season. It has now been 2 months and I have received no response, my points have not been returned, and my account has been locked. I 've contacted Amex for a status update and they continue to give me the run around and transfer me to several departments until I get hung up on. 

*I 've attached a copy of my chat with the Amex customer service representative confirming that returning an item would not cause my points to be reversed. I 've also attached a copy of my statement showing the same charges shown in the chat to prove the chat was talking about the account mentioned.

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with PAYPAL HOLDINGS INC. (UT).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I had renters who paid rent through PayPal. When these XXXX moved out of my house, they called their banks and did fraudulent chargebacks to get their money back from Paypal. I can prove they did this and PayPal just let them do it after I showed PayPal all the evidence that I was a victim of fraud. PayPal told me I was responsible and is now sending me debt collection notices in the mail. I DO NOT owe this money. The XXXX who owe it are the boys who committed chargeback fraud through their banks.

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 08-08-2017 about Payday loan, title loan, or personal loan (Payday loan) with Main Street Personal Finance (LA).
Issue: Struggling to pay your loan

Complaint: I came into hardship when i had an XXXX XXXX i was out of work for almost 6 weeks before my loan was due i told them of the situation i came in before the day before i was due to see if i could get out on a Payment plan XXXX told me that would Just take longer to pay out and more money from me i told her i cant keep renewing loan she told if i can just bring in the XXXX how i did last time with XXXX that will be fine 2 days later i went back out of work again XXXX called me i told her i do not have anything i am not at work she asked if i could find someone to borrow XXXX dollars from i told her i will try but i doubt it she called my job my manager has told them to stop calling when i was relieved from the doctor to return back to work my very first day back i received a call from XXXX i told her i can not receive calls her and prior to that my manager has told her that today XXXX XXXX,2017 at approximately XXXX i received a call from XXXX stating she was XXXX with approved cash demanding i come in today to Renew or pay off my loan or she will take me to court i then told her i ask you to not call here and your calling me on a cell phone i then hung. This company has been doing rollovers when they know a customer cant afford to bring the whole payback amount, they denied me the extended Payment plan, wont stop calling my place of employment, and has threatened me with legal while im at work on a work landline, this is embarrassment, harrassment and due to this i am now getting wrote up by my employer for personal calls and could be possibly terminated

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 06-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MO).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: In  XXXX   2016  I went in search of a new car. My understanding is when you apply for auto loan in a 30 day time frame you would not be penalized for inquiries relating to  XXXX  possible car loan. Went to  XXXX  dealerships and  XXXX  of the  XXXX  obtained auto loan with  XXXX . For dealerships to run multiple companies to obtain best rate for themselves and supposedly mine I had no knowledge on all these inquiries along with  XXXX  to  XXXX  inquiries within a 30 day period all related to auto loan to which I acquired with  XXXX .     Had credit reported back 17 years reporting 2 years? Please report correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (NY).
Issue: Account opening, closing, or management

Complaint: I signed up for a Chase Total checking account and used a coupon for a {$300.00} sign up promotion after direct deposit. After several months of waiting Chase is refusing to pay out the promotion even though I received several direct deposits from my tenants.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06-09-2015 about Bank account or service (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (VA).
Issue: Deposits and withdrawals

Complaint: I deposited about {$3000.00} MO checks to my Capital One 360 checking account over the weekend. Yesterday, XXXX/XXXX/2015, I received an email wanting me to call XXXX and stated if I do n't, Capital One may close my account. I called immediately, waited on the line for over XXXX minutes, listening to music and no one came. Finally, I hung up and called again. Same results. Today, XXXX, I called right at XXXX when they open but still the same results : waiting, listing to the music and no one I was able to talk to. Please help. I need access to my deposited money.

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with CCS Financial Services, Inc. (ME).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I only found out about Credit Collection Services trying to collect payment from me because they reported to a credit bureau before ever notifying me by mail or phone. I disputed this collection with the credit reporting agency XX/XX/XXXX. I subsequently received a call from Credit Collection Services, and I told them that I needed proof of the debt in writing. On XX/XX/XXXX, they mailed me an XX/XX/XXXX XXXX statement for XXXX XXXX XXXX, XXXX IL with the amount of {$53.00} due. There is no explanation of what the charge is for at all, but my balance prior to XX/XX/XXXX is listed as - {$9.00} on the statement, and charges of {$62.00} were added XX/XX/XXXX, but there is not explanation of what these charges are for. I have not lived at that address since XX/XX/XXXX!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation