milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/20/2016 about Student loan (Federal student loan servicing) with AES/PHEAA (GA).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I am currently repaying a student loan to fedloan servicing who have an inaccurate total that I currently owe them. All of my loans have been consolidated but credit has not been given for the payments that federal government collected over a period of 20 years. When my loans were defaulted, my taxes were taken and I was voluntarily having {$170.00} withdrawn from my checking account for over 16 years. The collection agency was the XXXX XXXX XXXX and I have not been given credit to my account for those years of payments that they collected from me. I want those tax collections that they intercepted and I want those voluntary checking account deductions to also be credited to my account. This will significantly impact my payments.

Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS).
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: I am writing to dispute the following information in my file. I recently received a copy of my TransUnion credit report. The credit report showed credit inquiries that I dont recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it.
The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order The following credit inquiries are related to none of the aforementioned permissible   XXXX   (  XX/XX/XXXX  )   XXXX   ( XX/XX/XXXX  )   XXXX   XXXX   XXXX   ( XX/XX/XXXX )   XXXX   XXXX   (  XX/XX/XXXX  )  XXXX  (  XX/XX/XXXX  ) I have sent the company multiple letters trying to get this resolved.  XXXX  has resolved the problem but TransUnion has not.

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 08/25/2015 about Debt collection (Medical) with Phoenix Health Care Management Services, Inc. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Debt collector called trying to collect on a debt I had paid more than a month prior to the calls and letter. They began calling me before I had received their letter in the mail. I did not recognize the number and I was at work so I did not answer the call. They then called hourly for the next XXXX hours until I did answer. When I said " hello '', I heard the " ringing tone '' as though I was calling them or was being redirected. The lady who answered asked me to verify who I was. I said that, since she had called me, I would like to know who was calling me. She asked me again for verification. I asked her to identify herself. SHe mumbled her name quickly. I said " I 'm sorry, I did n't catch that. '' She again asked me to verify who I was. I again asked her to identify herself. She ended the call at that time. I blocked the number after that because it seemed shady. I later received their letter in the mail at which time I noticed that the number that had called me was for this collector. 

Additionally, the size and placement of the logo at the top of their letter makes it appear, at a glance, that the name of the company is " OHSI ''. This " OHSI '' is the largest and most noticeable thing on the letter. Although their actual name is listed many times throughout the document, the logo/placement could make it difficult for more vulnerable demographics ( elderly, etc. ) to search for and find this company online ( and consequently make it harder for them to identify who the company is in things such as the step of the CFPB 's process that asks users to identify the company ).

Company response to consumer: Closed
Consumer complaint received 10-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: inaccurate information in violation hippa, cra file id theft and police report to XXXX police dept XXXX case number

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 11-05-2015 about Debt collection (Credit card) with PAYPAL HOLDINGS INC. (OH).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: Sent a cease and desist letter to convergent debt collection agency on behalf of my mother XXXX XXXX who is in XXXX..she has no money and lives on ssi..they continue to call everyday. .throughout the day several times throughout the day as well. .do n't know what else to do. .I 've tried explaining to them her situation but they still are harassing her for money.

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (FL).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: Fraud charges on XX/XX/XXXX and XX/XX/XXXX for a total of XXXX. 

I contacted Citi by phone within 24hours and reported the fraud and specific fraud charges. 

The first CSR, the fraud department one, cut me off when I was reporting which charges were fraud but assured me she listened after I asked. Told me I was getting a new card and the charges would be investigated and removed. 

Later I contacted them again by online. My statement was cut and everything was charged. The polite rep told me they had all my charges and were doing an investigation, I asked him which charges and he listed 1 of the 9. He politely took the rest of the charges and said it would be resolved. 

1 week later I contacted again asking for the charges to be dropped, as promised by Citi. I was told it would be escalated to an executive team and no contact back. 

I also contacted them by online chat after giving a few business days to resolve things and they ignored that as well. 

Reference secure messages : 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 non-monetary relief
Consumer complaint received 07/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with U.S. BANCORP (WA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Had a personal line of credit since XX/XX/XXXXwith US Bank. Employment, medical problems circa XXXX. Unable to clear the line of credit, and eventually retired. The line of credit was charged off as uncollectible by US Bank. The bank keeps showing the account in a current late pay status even though it is classified as a charged off account. Attempted to get a loan, but there were questions about the late pay status of the account.

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 04-10-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (OH).
Issue: Loan modification,collection,foreclosure

Complaint: it all started XXXX 2014 we was trying to get a modifcation approved and still trying the pkg was sent filled out sent back they called didnt received it didnt received it paystubs were sent they called no paystubs its was XXXX thing after another in the meantime i have all my faxes that was sent this is how they get u behind on purpose money hungry people they dnt care about u they want your paystubs to see how muchmoney they can get off of u my loan is 84,000 they have tacked on 14,000 since XXXX 2014 8 months waiting on it wow now i owe 90,000 the XXXX house is worth under that what XXXX they need to go down taking peoples hard working money and they dnt care none of them speak english u cant under stand them these sumbags to be accountable.plus they have a fffffffffffff rating a large amount of complaintsssssssssssssssssssssssssssssssssssssssssssssssssssssssss

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2016 about Student loan (Non-federal student loan) with SLM CORPORATION (KS).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: I am XXXX and Sallie Mae knew this and in a matter of XXXX8 months moved my loans to collections and have been harassing my co-signer daily- All my other loan providers are on board with 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 09/27/2017 about Payday loan, title loan, or personal loan (Installment loan) with BANKERS HEALTHCARE GROUP (CA).
Issue: Charged fees or interest you didn't expect

Complaint: Initial I received a flier for this company and i went on their website to find out information regarding the company. The next day I received a call from this company and I asked them general questions because nothing was posted on their website in regards to interest, terms and conditions on their website. The associate said he could n't provide me the information unless my credit was ran so I agreed to it and gave him my information. A few day later the associate emailed me the credit application and XXXX form for me to fill out and they need a recent pay stub from me. After I filled out the required docs and my paystub I received a phone call from their under writer for a customer interview. XXXX minutes later I received and email with all the terms and conditions. When they ran my credit they told me I had a XXXX fico and in the email sent me they quote me a rates of 14.49 % & 15.49 %. the following day the associate sends me a text asking me what I thought about the approval and I told him i was insulted and that i was interested any more. The following day i received a text say that the were sorry and they can get me a rate of 7.49 % and I did n't respond. I received a phone call a week later from their underwriter and informed I was interested and he still was trying to convince me to do the loan. When I asked the underwriter why XXXX day the rate was 14.49 % to 15.49 % and then the next day because I was upset the rate dropped to 7.49 % and he could n't answer my question

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Recently I was reviewing my most recent " TransUnion '' credit report when I noticed that it had incorrectly reported that I had at one time lived at : " XXXX XXXX XXXX ; XXXX, California ; XXXX. '' I have NEVER physically nor legally lived at that address. When I called up " TransUnion '' to please " delete '' this Identity Theft false notation off my " TransUnion '' credit report, they completely refused to do so.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-01-2018 about Credit card or prepaid card (Government benefit card) with Comerica (WI).
Issue: Unexpected or other fees

Complaint: I have my XXXX check direct deposited with XXXX XXXX. And every month for the last year and a half they have been charging me XXXX cents for a paper statement mailed to me that I did not request. On their website they give you an option of checking a box for a paper copy. The box is not checked. I have called and requested that they quit charging me and that I want all the charges refunded to me an am told I will hear back from the in 5 business days and I never here from them on this matter. Since it is the XXXX of the month I checked my account balance and they charged me XXXX cent this month also XX/XX/2018. I have contacted them 3 times about this matter. I wonder how many more people they are doing this to..If I didn't check my balance daily I would have never noticed the XXXX cent fee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07/15/2015 about Debt collection (Medical) with Retrieval-Masters Creditors Bureau, Inc. (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: FALSE COMPANY NAMED " AMCA '' TRYING TO COLLECT A DEBT THAT I ALREADY PAID TO XXXX XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2017 about Mortgage (FHA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (NM).
Issue: Struggling to pay mortgage

Complaint: I helped my daughter and kids when she got XXXX and lost work to pay her house and continue paying mine, but the medical bills and other bills tolled us into financial hardship. She is better and got a job. I am a XXXX and applied for modification with carrington. Carrington is telling me that my daughter has to pay her lien for me get the FHA modification or they will close out the file and send it to foreclosure. I proved the lien is not mine, that lien is for another person 's name, and that the title for my house is in my name and not in that person 's name. See attached documents Please I need the title search to be run in my name MY house is XXXX XXXX XXXX XXXX XXXX. I am helping my daughter financially, but she is NOT in my title at XXXX XXXX XXXX XXXX XXXX, XXXX nm XXXX The problem is that we knew about the issue of the lien just this Tuesday, not before, and we have a deadline for Friday or they will close the case? I already made the trial payments

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2017 about Checking or savings account (Checking account) with HUNTINGTON NATIONAL BANK, THE (OH).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: Someone went into Huntington National Bank and cashed a check in the amount of {$1200.00} dollars, clearing out my personal and savings account, leaving me PENNYLESS. The bank acknowledge the many Red Flags that should have been caught with the cashing of this check- calling me to verify, another security check by the individual who overrode the check, etc. 
As of ths date I am still PENNYLESS and the bank has not refunded my funds. They also failed to properly file my complaint via the XXXX number causing the complaint to be closed leaving me without any funds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 11/15/2015 about Credit card () with CITIBANK, N.A. (CO).
Issue: Other

Complaint: I have a Citi MasterCard credit card. I have no issues paying the full amount due ( and I charge most purchases on this credit card during the month, rather than use a debit card, just for safety 's sake ) each month. However the last several months I have noticed a problem with a practice they are starting to use. My payment is due on the XXXX of the month, so I generally pay as close to that date/time as possible, to include as many of my charges as possible. Lately ( last five months ) towards the end of my cycle, many of the items I have charged are held in a pending status much longer ( 2-5 days ) than they are at the beginning of my cycle. Citi will not allow me to pay any pending amounts online, and does not include them on mailed statements -- so I have no way to pay them. When I make my payment ... a miracle happens, and all the pending amounts changed to due AFTER the end of my cycle, with no chance for me to make a second, catch-all payment ... so, they charge me interest. This seems deliberate, and simply aimed at being able to charge me interest ( as normally, they would have no unpaid amounts to charge it on ).

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2018 about Mortgage (Conventional home mortgage) with LoanCare, LLC (CA).
Issue: Trouble during payment process

Complaint: We suffered water damage to our home which resulted in an insurance claim.  We followed the recovery procedure beginning with our insurance company.  They estimated the damage, and as required forwarded insurance claim documents to our lender including a check for XXXX.Our lender advanced us XXXX on XX/XX/XXXX.  On XX/XX/XXXX, we submitted a request for an inspection to release the remaining funds as the repair work was almost completed.  We have been advised by our lender that no additional funds can be released until an inspection has been made verifying the repairs.  Since XXXX XXXX, we have spoken to a representative of the lender's insurance claim department 11 times informing them that we have not been contacted by an inspector.  Each time they advised us they would ask for a new inspection and were told we will be contacted by an inspector to schedule an inspection.  We have never received that call.On XX/XX/XXXX, the project was completed.  On XX/XX/XXXX our insurance company gave us a final payment of XXXX which I am reluctant to forward to our lender.  During this entire time, we have used money from our savings to pay our contractor's bills.The name of the lender is Loancare.  Their insurance processing center is located at XXXX XXXX  XXXX, XXXX, SC XXXX.  Loancare's tracking No. for my claim is XXXX.We appreciate your assistance with this matter as we have no other recourse.

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 02/22/2018 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint: For well over 6 months, Bank of America has been attempting to fix a problem with the " Extra Security at Sign On '' feature ( 2 factor authentication ) that allows consumers to secure their bank accounts by receiving an access code by email or text in order to access the account. 

It doesn't work and when it's enabled I simply receive " We're sorry, but we're currently unable to complete your request. Please try again later '' and get locked out of my account and unable to access anything until I call BofA and get a customer service person to generate a code and disable the defective feature. 

There is an open case with technical support.

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 10/15/2017 about Debt collection (Credit card debt) with Resurgent Capital Services L.P. (LA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: The debt owner is XXXX XXXX XXXX XXXX. They have been attempting to collect on debt that was discharged in a Chapter XXXX bankruptcy. I have informed numerous 3rd party collectors of this but XXXX just sends a new collector later. The last one closed their case and said they would inform XXXX after you contacted them Now XXXX is using Resurgent Capital Services in another attempt to collect on a debt they have been informed is no longer owed. 























l. 
l. 





















C.

Company response to consumer: Closed with explanation
Consumer complaint received 07-01-2015 about Credit reporting () with Experian Information Solutions Inc. (OH).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have been a victim of Identity Theft, and I am trying to dispute inaccurate items on my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/16/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (AZ).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: Deceptive methods to get the loan processed predatory lending deceptive fraudulent institutions.

Company response to consumer: Closed with explanation
Consumer complaint received 03-06-2018 about Debt collection (I do not know) with LJ Ross Associates (PA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I don't have any information because i don't know who XXXX is. Never recieved anything from them. This charge is completely false.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2016 about Consumer Loan (Vehicle lease) with MERCEDES BENZ FINANCIAL SERVICES (CA).
Issue: Shopping for a loan or lease

Complaint: I was buying a car, and they ran my credit once, and I was unable to do it by myself. So then they tried with my aunt, and that did n't work, and then finally they ran it with my mother. However they ran my credit 3 different times causing me to go over the yearly " good '' inquiry allotment. They are Mercedes Ben done on XX/XX/2016 and 2 are MB Fin Svcs done on XX/XX/2016 and XX/XX/2016.

Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2016 about Credit reporting () with EQUIFAX, INC. (MA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Equifax has refused to update XXXX accounts as included in bankruptcy. I have tried several disputes and have gotten the same results. They are not properly investigating these accounts per the FCRA. I sent in documents to support the proper status reporting of these accounts and they have refused to delete the erroneous information furnished by the credior or update accounts as included in bankruptcy.

Company response to consumer: Closed with non-monetary relief