milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-05-2015 about Student loan (Non-federal student loan) with IOWA STUDENT LOAN LIQUIDITY CORPORATION (IA).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: Aspire Loan Servicing company has taken over the payment process for Iowa Student Loan. My private loans hold a grace period, this was established with Iowa Student Loan early on in my loans. I have spent countless hours with Iowa Student Loan reviewing options, understanding payments and understanding the loans process. I am aware of what I can and can not do and how my decisions will impact my loans and/or my credit. I have also flexed my payments based upon when paychecks are provided ( as do most consumers ). This was NEVER an issue until Aspire got involved. Aspire contacts me, by phone, if my loan is even 5 days past due. They call me from an unknown number ( which I believe is very underhanded ) and the representative attempts to force a payment over the phone. I previously explain to these representatives that payments are scheduled and I do not wish to make one at this time. They continue to push for payment telling me that since my loan is past due it may be reported to the credit reporting agency and I should make a payment today to avoid this. I again state payments are already scheduled for the upcoming payday week. I have NEVER been more than 10-12 days ( Iowa Student Loan explained 15 or more days is where there could be some additional issues with fees and reporting to credit bureaus ) late with my loans in over 10 years, they always receive payment EVERY MONTH. It is a constant battle and I feel harassed and exhausted every time I deal with them. Yesterday, however, they crossed a line and I feel action needs to be taken. The representative that called my phone from an unknown number AGAIN, identified herself as calling from Aspire Student Loan Services, explained the call could be monitored or recorded ( all the standard ) and then she proceeded to tell me that she needed to inform me that she was " DEBT COLLECTOR. '' This is insane, intimidating and misleading language. My bill was six days past due with a scheduled payment ( visible on their website ) for THIS Friday. She is not a debt collector and I do not appreciate being called in the middle of a work day from an unknown number with someone referencing DEBT collection as if I am months past due, or that I must pay immediately because I am in some sort of trouble. This company is getting FAR too pushy. I know that I am not the only customer that has issues with their aggressive actions for loans that have ALWAYS been paid. A letter after six days -- MAYBE, a phone call referring to a DEBT COLLECTOR is UNACCEPTABLE. Even mortgage companies do not harass you in this manner and they hold loans MUCH larger in capacity than this company, and allow the 15 days grace. I feel harassed and mistreated as a customer that pays EVERY month. I understand reminders, I understand follow-ups to make sure, but 6 days is uncalled for.

Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2016 about Debt collection (I do not know) with Southwest Credit Systems, L.P. (KS).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I recently received a statement from Southwest Credit for an amount due of {$150.00}. The day after I received the letter, I sent them a letter stating that I dispute the validity of the debt in its entirety. I asked that they stop any and all contact with me until after my dispute has been investigated and they have provided proof of the debt in writing to me. Even after sending this letter within the 30 days of when I received their notice, they continue to call me multiple times per day. My understanding is that according to the provisions of the Fair Debt Collection Practices Act ( FDCPA ) they must cease contacting me until they have provided competent evidence that I have any legal obligation to pay them. In my mind, Southwest Credit is clearly in violation of the 15 USC 1692g Sec. 809 ( b ) of the FDCPA.

Company response to consumer: Closed
Consumer complaint received 04/14/2015 about Bank account or service (Savings account) with CAPITAL ONE FINANCIAL CORPORATION (MO).
Issue: Deposits and withdrawals

Complaint: I have a stock trading account at XXXX which is owned by Capitol One. On XXXX/XXXX/15 I requested a transfer of settled funds from XXXX account to my Capitol One savings account. The transfer was not made until XXXX/XXXX/15 at XXXX EDT. 
But as of XXXX CDT the funds still had not shown up in my Captiol One savings account. Since both are owned by Capitol One and these are electronic transfers the failure to properly credit the savings account is not correct. In addition, Capitol One puts a ten day hold on these funds being transferred from my savings account to other non Capitol One accounts. This is an unconscionable use of my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: There is a judgment showing on my report. I am attaching the paperwork from the clerk of the courts office showing this is satisfied and needs to be deleted. Clerks office said they do not report to the credit bureaus and suggested I go through this site.

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 01/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (OH).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I have XXXX loans with navient most of which are direct subsidized loans. 
Navient had me put my loans on deferment as i could n't afford to pay very much until recently. I had to chase after them and call many times to get assistance with getting on a repayment plan that helped me make payments. 
These payments seem to be doing nothing as the loan continues to grow by more than what i 'm paying every month right after a make a payment. 

It honestly does n't appear that my payments are going to the principal or the interest as i see no changes every month in the amount my loans say are remaining. 

I feel like i 'm being ripped off. 
have no issues with paying on my loans as i took the loans out for school. 
But it seems that unless you pay them off in one swoop there is no way to get the loan number to go down at all. 
The repayment plan they set me up with does n't appear to be anything more than giving them free money until the end of time. 
What good is a plan meant to assist you if it does n't ' even cover enough of the loan to keep the amount owed from growing passed what it was before you paid that month.

Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2016 about Credit reporting () with Experian Information Solutions Inc. (NJ).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-04-2018 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with Coinbase, Inc. (CA).
Issue: Money was not available when promised

Complaint: On XX/XX/XXXX, I successfully wired {$12000.00} USD to Coinbase. Today is XX/XX/XXXX and they have yet to credit my account or return the money.

Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2016 about Debt collection (Credit card) with Messerli & Kramer P.A. (MN).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: A few weeks ago, I noticed on my bank statement that there was a {$1200.00} withdrawal that neither my wife, nor myself had made. I checked with the bank and found out that they had paid funds out of our account as the result of a lien they received from Messerli & Kramer. Not knowing who or what Messerli & Kramer was, I contacted them via phone and electronic messaging ( web site ) to ascertain what this was about. They did not returned either message. 
I asked the bank if it was standard procedure that an entity can access one 's bank accounts without notifying that individual. They stated that we should have received notices from Messerli & Kramer before the lien was filed. 
I had not received any. I asked my wife if she did, and she said she had received XXXX or XXXX letters, but did not know what it was for ( was not aware of any unpaid and overdue debits ), and disposed of them, thinking it was a scam. 
As I did not hear back from Messerli & Kramer, I went to their XXXX, MN location ( I was told from their XXXX XXXX XXXX, collections where handled there ). When I was there they shared what the background was pursuant to this issue. 
My questions are : Is this standard procedure for a collection agency ( law firm )? How is a business like this able to access information on our bank accounts and gain access to them. Finally, I discovered when I visited their office that this was a court imposed lien. How is any court action able to happen without notification of a respondent?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Titan Receivables, Inc. (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I received a notice from Titan Receivables, INC referencing XXXX XXXX XXXX. Prior to this notice, I have not received a call or notification from XXXX XXXX XXXX stating that I still owed anything. I thought my XXXX was fully exonerated. Furthermore, after receiving this notice in XX/XX/XXXX, I called Titan to ask them about the noticed they 've sent. I told him I had no problem making monthly payments but was just confused because I thought it was exonerated but he said no. Titan reported this " Debt '' to the credit bureau which I felt was very harsh. I 've received one notice in XX/XX/XXXX and no prior notice from XXXX before they turned the account over to titan. I do n't think its right that this account be on my credit as derogatory and I already made plans on making payments. I will like this debt off of my credit as I will continue to make payments as I always do with any of my accounts. I did n't received proper notification from titan or XXXX XXXX and its not like I 've been given chance after chance or contacted about this debt. I 've received one letter and that 's it. Now this debt is on my credit. This is so not fair.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2018 about Debt collection (Other debt) with Radius Global Solutions LLC (AZ).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I received a bill from a third party collector, XXXX XXXX XXXX for XXXX XXXX on XX/XX/18. I sent a letter of validation the same day and to date, they have not responded. I have disputed this as well with the credit bureau to request that it is removed.

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 07/28/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Luckmore Finance (LA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I have been getting repeat phone calls from a debt collector. They call me at least 6 times a day, send text messages and even call my friends XXXX references XXXX as well. They have threatened to report me to the news media and threatened to give my information over to a team of lawyers I guess they deal with. I even tried making a payment thinking that would help but it did n't, they started calling me two days after I made a payment and arrangements. This ordeal has been a nightmare because I really feel like im being bullied.

Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2016 about Debt collection (Medical) with Choice Recovery, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: 1. I have no knowledge of said debt and I would like it removed as it 's reporting to the CB ( as an OPEN account ) and negatively affecting me. 
2. Although I had no knowledge of this account, since it was on my credit profile, the debt was discharged in bankruptcy. 
3. This information was also shared illegally ( third party ) without my informed consent.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Have filed disputes more than once about this very account I have yet to receive documents stating this my account and not just saying verified. Please remove this from my credit report at once. Fair credit act.

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 03-01-2018 about Debt collection (Auto debt) with CREDIT ACCEPTANCE CORPORATION (MD).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: Credit acceptance is showing on my credit reports. The statue of limitations to collect the debt have expired. Needs to be removed from ALL credit bureas

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 11/15/2017 about Payday loan, title loan, or personal loan (Installment loan) with Social Finance, Inc. (MI).
Issue: Getting the loan

Complaint: I applied for a consumer loan application through a 3rd party ( XXXX XXXX ) in early XX/XX/XXXX, who conversely entered an application at SOFI on my behalf. SOFI contacted me over the next couple of weeks and collected all of the required documentation from me. My loan was in the final approval stage and was on the verge of being dispersed. In the final stage SOFI asked if a 3rd party had helped me with my application, which I affirmed. I was then told that it " was n't a big deal '' and that all I needed to do was re-apply with a different profile on their website. The woman also told me that they could expedite it, and it should go much quicker then the first time, and I had no need to worry, as everything was great on the loan and they could get it done. The next morning I did exactly what SOFI asked me to do, and I received an immediate denial due to " inquiries on my credit report. '' The only inquiry that I had was the one for SOFI on the previous application. Based on this I called in to escalate it on XX/XX/XXXX. For two weeks I was being told that it was basically a glitch, and that they would get it resolved. I talked to two people over this time, a women in escalations that never called back as she said she would, and XXXX XXXX, who also never called back or gave updates. I called numerous times between XXXX and XXXX when I was finally told that they could not remove the inquiry, which was that of SOFI, and due to that they could not approve my loan application. This makes absolutely 0 sense, the follow up was terrible, and as a result I have wasted over 30 days working with an institution and have a hard inquiry on my credit report that hurts my credit. I am credit worthy with a credit score over 700,  XXXXyear in income, and have been on the same job for over 6 years.

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2016 about Credit card () with TD BANK US HOLDING COMPANY (AZ).
Issue: Arbitration

Complaint: Target store,,, is trying too collect debt from me, ,the Target Card, ,was used by my ex-wife, ,yrs after our devorce ; ; I paid off in full, ,the Target Card, in XXXX..was then divorced that year, ,she opened, ,or continued using my name, ,so Target billed me, ,now using a collection company, too call me, send me bills, ,an reports me, too credit companies, ,thus putting my scores at ''poor '' I want them too remove this illegal debt, from my credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2017 about Mortgage (Conventional home mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Struggling to pay mortgage

Complaint: I am in the process to obtain a loan modification and also I applied for assistance with " Keep Your Home California '' and my lender ( bank of america XXXX gave a wrong information to Keep Your Home California and now keep this institution cancel my file. I am really disappointed that bank of america gave the wrong information when I am still in the process to get approve for my loan modification. I might qualify for " keep your home California ''

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 08/17/2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (KY).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: They are attempting to collect a debt on behalf of XXXX XXXX bank that I do not believe I owe. They do not provided verification that would be legally binding nor does their alleged client show me owing the money. They refuse to remove this unverified and what I believe erroneous debt from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Justice Finance Company (TX).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I have an installment loan through a local office. When I initially applied for the loan I informed the office that my wife could not be contacted regarding the account due to a strained relationship. However, I was forced to give the office her contact information to complete the application but was assured that she would never be contacted. Despite my conversation regarding her not being contacted as soon as I got a couple weeks behind on my payment they called her. This led to huge distress in my already strained marriage and nearly led to separation at least. I talked to the office following the contact with my wife and reiterated that she was not to be contacted and got assurance that she would not be contacted from the manager. I even expressed my request for privacy via a letter. Nevertehless, when I fell behind a couple of weeks they contacted her again. I called the office furious and spoke with the manager regarding my request for privacy. He responded by saying that he did n't care about my request due to my late payment history and that he did n't care if I never made another " darn '' payment. He stated that if I would have responded to there multiple phone calls ( they called roughly 2 times per days fo r 2 we eks straight ) she would not have been contacted. But because I was so hard to reach they had to call her to prompt a response. I was never contacted via writing on the harrassing phone calls a couple times per day. Is their behavior legal?

Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2016 about Credit card () with AMERICAN EXPRESS COMPANY (CA).
Issue: Closing/Cancelling account

Complaint: In the letter dated XXXX XXXX, XXXX, American Express has informed me about the closure of the American Express Delta SkyPoints credit card effective XXXX XXXX, XXXX. This credit account was opened on XXXX XXXX, XXXX. 
This action, initiated by American Express, will negatively affect my credit score because of the two reasons : ( 1 ) closure of the existing account, and ( 2 ) decrease of the total amount of available credit. 
After speaking with American Express on XXXX XXXX, XXXX, I requested to transfer this account to a different credit card product to avoid the anticipated negative effect on my credit report. American Express declined and offered no solution. A formal complaint with American Express was filed on XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation