milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-06-2015 about Student loan (Non-federal student loan) with ACS Education Services (MA).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: This was a charged off loan by ACS. After XXXX plus years of payments no monthly bills were sent to the correct address and no phone calls by them occurred asking for payments. They had cell phone numbers for my son as the recipient of the loan and my self as the cosigner. 
We were never contacted received no default notice. The only reason we are aware of the charge off is because of a credit report that was pulled in the last two weeks. I am more than willing to pay what is due but in the same token I have been personally damaged by erroneous filling by ACS to the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with FAIR COLLECTIONS & OUTSOURCING, INC. (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Apartment I lease was ended due to bed bugs

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (KY).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: All three of these companies would not remove erroneous items from my account, namely XXXX ( not mine ), XXXX ( fraud apartment complex that kept my lease active after I gave them my XXXX  XXXX signed by my XXXX ), and XXXX ( not mine ). After a year of writing letters and filing disputes, the completely unhelpful call centers that are on entirely different continents, kept telling me that they are only a reporting agency. I was baffled by this! I 'm here to report that all three of the credit bureaus are ran by child predators! It might not be true, but that 's what I 'm reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2016 about Credit card () with SYNCHRONY FINANCIAL (NJ).
Issue: Billing disputes

Complaint: I paid my XXXX card in full and I was hit with a 30 day late payment in XXXX 2016 for being {$6.00} past due. There is no way this accurate. This must be an error with the interest that was carried over so please fix this ASAP.

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 10-04-2016 about Student loan (Non-federal student loan) with JPMORGAN CHASE & CO. (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: After many months, or years, of having private student loans ( ones that have zero consumer financial protection ) JP Chase and XXXX have consistently been RAISING the rates on my loans, when monthly I ask them to reduce these ridiculous interest rate charges. 

The opposite of what needs to happen, has been happening. If government exists to serve and protect the people instead of corporations, this is exactly the scenario in which it needs to do so.

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

Complaint: Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach inXX/XX/XXXXthat they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com.
They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services.
They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement.
I demand that they rectify this by making credit freezing free and refunding everyone who paid for it following this data breach. The negligent loss of personal information of nearly 200 million consumers is an unconscionable breech of ethical behavior by this company and it is further unreasonable that they are not directly notifying every single person affected by this regardless of their questionable " judgment '' of who to contact.
Moreover, they must provide financial compensation for those affected to fund credit monitoring services like XXXX to provide ongoing protection of priceless, irreplaceable personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 11/22/2016 about Mortgage (FHA mortgage) with Pacific Union Financial, LLC (AR).
Issue: Loan modification,collection,foreclosure

Complaint: I have been trying to get a Loan Modification on my home due to loss of job in XXXX when I received original loan and now being full time employed but at a much lower salary. I have repeatedly mailed, emailed paperwork to Pacific Union Financial to continue to be told information is missing, which they find was actually sent when requested, to be told by numerous employees of PUF different stories, letters are in the mail, underwriting has it in there hands should be approved next few days to, today being told my the Rudest of all XXXX in Loss Mitigation that since my appeal letter, my payment has actually gone up. I Am At A Loss and can get no help and no resolution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/29/2017 about Debt collection (Other debt) with Southwest Credit Systems, L.P. (MN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I discovered several accounts had been opened in my name with out my knowledge or consent. This XXXX in particular was with XXXX, I contacted them immediately through their online chat feature on or around XX/XX/XXXX and explained it was not my account, it was opened by my XXXX XXXX. They continued to try and keep the account active, and they stated it was paid in full and the XXXX month contract had been long since met, but would not give me exact dates. They also stated that I owed no monies & I said of course I do n't as I never opened the account, this is fraud and Identity Theft. Finally the CSR stated that it was indeed identity theft and services would be stopped immediately. 

Much to my surprise less then a week ago aroundXX/XX/XXXX, a collection account showed up on my credit report for XXXX by a debt collection company in the amount of {$300.00}. I was never contacted by mail or phone. This is the only bad debt or derogatory remark on any of my reports. It needs to be removed. Please help me, this truly is not my account. I believe this could be a mistake, but I also believe the credit collection agency did n't contact me at all because they know its fraud/identity theft and this is a way to bully me into paying for something that is not my responsibility. 

Here is the Collection agency info and how it appears on my credit report. 

Creditor Name SW CREDIT SYSTEMS L.P. 
Account No. 
XXXX Original Creditor XXXX XXXX XXXX Individual Condition Derogatory Original Balance XXXX Balance XXXX Date Opened XX/XX/XXXX Date ReportedXX/XX/XXXX Remarks Placed for collection

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2015 about Mortgage (VA mortgage) with PENNYMAC LOAN SERVICES, LLC. (CO).
Issue: Loan servicing, payments, escrow account

Complaint: XXXX XXXX I submitted XXXX questions via PennyMac Message Board. ( XXXX and XXXX ) They refuse to answer the questions directly and specifically. Except to tell me they already answered it or call customer service which is not acceptable. 
I would like a specific answers please:1. Is there a past balance due? If so, how much and please submit proof and supportive documentation. 

2. Is XXXX payment still due? A payment under the transaction amount does n't show for XXXX, although escrow and principal balance is credited for XXXX. The payment paid {$1000.00} and posted on XXXX/XXXX/2015 was for XXXX 2015. 

3. Is there a reason why the principal balance did not change from XXXX to XXXX after XXXX 's payment was credited? {$180000.00} XXXX {$180000.00} XXXX. 

4. Is there an escrow balance due and if so, how much? ( 2015 escrow is {$1900.00} ) Please answer each question which is XXXX questions, so there should be XXXX responses.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/18/2016 about Mortgage (Conventional fixed mortgage) with BANKUNITED, NATIONAL ASSOCIATION (FL).
Issue: Loan servicing, payments, escrow account

Complaint: 1. I believe the bank is knowingly sending out mortgage statements late. Last month it came on XXXX XXXX for Payment XXXX XXXX XXXX. ( was told 3rd party does mailing ) 2. Is assessing late charges for bank error. 
3. Is deliberately dismissing complaints by making it impossible to get assistance by phone through their Customer Care line. Must write for assistance. 
4. Sending out form letters denying customer issues without looking into the situation. 
5. Takes no responsibility for even the possibility of a bank mistake 6. Has a policy of " stonewalling '' the customer so they can not resolve an issue 7. Does not call customer when requested to do so 8. Has no one available at the branch to advocate for client - local banks have no mortgage information and can only contact Customer Care on client 's behalf. 
9. Claims they post payments on the day they are received ( I hand delivered a payment on XX/XX/XXXX to the branch - but the payment was not posted until 5 days later. )

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 12/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Collins & Hilton Asset Group, LLC (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: This debt/collection appeared on my credit, it does not belong to me. This is put falsely on my credit report. It states it was opened in XXXX of 2017. I have zero documentation reflecting this account nor was this account authorized on my behalf. This account has appeared on my credit report and is reflecting negatively in collection under an individual type and again does not belong to me. It is my right to get incorrect and false information to be Removed. I have received zero documentation regarding the matter.

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 non-monetary relief
Consumer complaint received 02-12-2018 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: Information belongs to someone else

Complaint: On XX/XX/XXXX I contacted XXXX @ the apartment complex I use to stay at names XXXX XXXX XXXX, she informed me that the complex name has changed I asked her about this alleged debt that is listed on my report and she stated that she has no idea that the files and 40 % of this business ( XXXX ) was purchased by a company called XXXX XXXX XXXX she then provided me with a new to XXXX which I spoke to a rep named XXXX. I asked XXXX about this alleged debt and wanting answers he proceed to say he has no idea about this debt and it was sold to a company called XXXX XXXX. I asked XXXX if my alleged debt was sold why am I being charged for something that was written off. He stated Im not sure you need to contact XXXX XXXX for answers ( I have recorded calls ). OnXX/XX/XXXX I contacted XXXX XXXX and spoke with an rep named XXXX XXXX I asked him about my alleged debt and he couldnt provide me with any information concerning this debt the only thing he stated was documents are being mailed to you today. I also contact Equifax, XXXX and XXXX concerning this debt and I havent received a response!! This has been going on for 5 months are so.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NJ).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: I have been paying on my student loan ever since I was an XXXX. I then graduated and still confined to pay on my private loan. However, I have asked many times for a repayment plan lower then the one given, and also asked for a deferment, when the company was XXXX XXXX and also now as Navient. The loan on my case is not affordable for I have been communicated with them that I am going through a hardship, and also currently attending XXXX school. They still insist on calling and collecting their mineies when I have none to give or refuse to take off my co signer and help me with an affordable repayment plan.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 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: Equifax did not properly secure my protected personal information from intrusion, such as through appropriate patching, 2-factor authentication at the point of service, segmentation of data, etc. As such, it appears my full name, Social Security numbers, birth date, addresses, and possibly driver license number is cross-matched to each other and in the hands of criminals who can use this data to breach any number of accounts in perpetuity such as my banking and financial data, medical data, legal complaints, political data, and any other number of sensitive accounts. 
Further, I am unable to secure these accounts because they ask for the very personal information that is breached in order to verify my identity and approve a change. 
Equifax is currently offering a limited credit monitoring service, which does n't even activate immediately. Even this had to be sought out by those who see the news reports, follow the news links to the Equifax page, which in turn link to a shady third-party website asking for 2/3 of one 's social security number plus last name and a waiver of all class action recourse in order to discover if one is among the breached accounts, only changed to waive class action recourse from the third party site if it too is breached with the sensitive data it is querying once the news of this spread. This is insufficient to the need created by their negligent protection of my information, which I did not give them myself, but which they curated as their business from other businesses.

Company response to consumer: Closed with explanation
Consumer complaint received 08-06-2015 about Money transfers (International money transfer) with WELLS FARGO & COMPANY ().
Issue: Incorrect/missing disclosures or info

Complaint: back in 1985 my father win the XXXX lotto for XXXX XXXX XXXX XXXX XXXX u.s dollars he was getting us XXXX a year XXXX taken out income tax plus all is money was going direct deposit electronically deposited to wells fargo bank when my father die my lawyer rite the bank to fine out how much money he had in the bank rite back to us .dollar fixed deposit of {$490000.00} us dollar savings of us XXXX XXXX regular savings {$XXXX} XXXX tt dollars and a XXXX XXXX of {$19000.00} tt dollars when we when to the bank to get the money they said that the XXXX us account is not there that they made a mistake that is not true. The banks are stealing us government dollar and people are suffering my sister have XXXX and this money will help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2017 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (LA).
Issue: Managing the loan or lease

Complaint: I financed a car loan that was purchased from XXXX in XXXX on XX/XX/2012. The car was financed by not sure on the sale contract is states the Creditor and Seller is XXXX, LA XXXX. But I have been making payments to Santander Consumer USA and when i requested proof I have not receive anything stating the loan was to be paid to Santander. I asked Santander for a pay off the amount that i was given today would be the same as two years for this date but was told that the interest is accumulated. XXXX and Suntander Consumer is practicing deceptive misleading consumers. The Consumer 's rights to safety, to be informed, to choose and to be provided correct information when a purchase is made. This contract and what is being done is not providing the correct information and Suntander has provided services that on the paper states that the creditor is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2018 about Checking or savings account (Checking account) with CHARLES SCHWAB CORPORATION, THE (NJ).
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint: Hello, Late last year, Charles Schwab began running a promotion for a certain number of existing account holders, where they agreed to offer a {$200.00} bonus if you met the terms of a promotion. Specifically you needed to enroll in direct deposit and receive {$2500.00} in direct deposits into the account. Being that I received previously amazing service from Schwab, I thought this would be a great incentive for me to begin my checking relationship with them and make them my primary bank. I chatted in to see if I was eligible, and was told that I would be eligible for the promotion if I met the terms and conditions, and would be sent confirmation of the promotion to my email ( which is attached to this complaint ) I then followed through and set up a direct deposit for {$2500.00}, which went into the account. I then chatted again with Schwab to confirm that the terms had been met, and was told by new representatives, that my account was not " targeted '' for this promotion, even though I was sent confirmation and told that I would be eligible originally. They stated they would reach out to their marketing department to have them reach out to me. About 2 weeks later, someone from the marketing department called during a really inconvenient time, and left a voicemail asking what my " intention '' was for the account. This was really inappropriate given what I had communicated, and led me to feel that I would get nowhere directly through Schwab. Schwab presented me with a legal offer that was fulfilled from my end of {$200.00} for {$2500.00} in direct deposits. After completing the terms of the offer, Schwab then stated that they made a mistake in telling me I was eligible, despite the fact that I had already completed the actions, and refused to honor the offer. Instead of honoring the offer, they then had a salesperson call to find out my " intentions '' of sales, rather than address the issue directly. My original intention was to make Schwab my primary bank and roll over an old XXXX ( XXXX ) because of this promotion, but after the way this has been handled I am deeply upset at how they do business, and would like to have the CFPB enforce the agreement that was presented to me

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 01-04-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with National Credit Adjusters, LLC (CA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: National Credit Adjusters started collecting {$100.00} per month for a debt that was owe to Rise credit. National Credit Adjusters stop collecting the {$100.00} per month, called me XXXX XXXX, 2016, to inform me that {$100.00} per month was not acceptable any more after they were collecting {$100.00} per month, I ca n't afford to pay any more at this time. If they could not accept please send my money back. My wife was not included in this loan, just me.,

Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2016 about Debt collection (I do not know) with Ability Recovery Services, LLC (FL).
Issue: False statements or representation
Sub-issue: Indicated shouldn't respond to lawsuit

Complaint: I 'm receive letter from Ability Recovery Services LLC,, with false Account #, Amount and Debt. I do n't have any business with this company or XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2018 about Debt collection (Credit card debt) with U.S. BANCORP (MO).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Past week and times XX/XX/18 Sunday XXXX XXXX 2 at XXXX XXXX XXXX XXXX XX/XX/18 Saturday XXXX XXXX XXXX XXXX  XXXX XXXX  XX/XX/18 Friday XXXX XXXX XXXX XXXX XXXX XXXX When you answer no one talks for about a minuet. And this is really un acceptable to be calling on a Sunday all day.

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 07/28/2016 about Payday loan () with CURO Intermediate Holdings (TN).
Issue: Charged fees or interest I didn't expect

Complaint: Took out a {$200.00} loan in XXXX at Speed Cash in Tennessee. They have debited my account for two years {$60.00} to {$90.00} every month. Its XXXX and they say I still owe {$320.00} to pay off. This is the biggest rip off that I have ever seen. This place need to be stopped.

Company response to consumer: Closed with explanation