milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/25/2016 about Student loan (Federal student loan servicing) with ACS Education Services (MA).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: I attended XXXX XXXX XXXX XXXX XXXX XXXX and XXXX in XXXX. 
I was forced to file for chapter XXXX bankruptcy in XXXX because of the lack of willingness by a student loan company to work with me on the payment amount. Just before I XXXX from XXXX, I suffered from a serious medical condition that forced me to be out of work for about six months. In XXXX the economy was starting the downward spiral, I managed to get XXXX jobs XXXX at minimum pay and eventually got a job with the Social Security XXXX in XXXX XXXX. My starting salary was {$37000.00} per year. I had my young son and a household to support. The student loan company did not care and based my payment on what I earned. I could not afford the payment thereby filing for chapter XXXX bankruptcy. I made the court ordered payments to the trustee who then sent payments to the student loan servicing company, XXXX. My bankruptcy was discharged in XXXX XXXX. What I was not aware that XXXX sold my loan to ACS Loan Services, it took ACS 4 months to inform me that they were now servicing my student loan and then informed me that they added capitalized interest of {$14000.00} onto my loan, bringing my loan amount to {$100000.00} at an interest rate of XXXX. My payment is now {$680.00} per month. I never received any kind of notices or information from the either student loan servicer that this was happening. I have tried to dispute the capitalized interest with ACS with no relief. I have been sending in partial payments of what I can afford. I have managed to make a full payment the last three months but ACS keeps charging me late fees, applies none of my payment to the principle and the balance of the loan keeps growing and the interest keeps compounding. Over 6 years I have payed XXXX and ACS about {$25000.00} and my student loan principle has never gone down, it continues to grow. This is extremely distressing, I am XXXX XXXX XXXX and will never be able to pay this off. I am not disputing that I am obligated to pay the loan, I am disputing the {$14000.00} ACS added onto the balance. I have made a good faith effort by making payments towards this loan, but, at this rate I feel this situation is hopeless.

Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Federal Adjustment Bureau, Inc. (OH).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: I have spoken with Fabco in the past and asked for verification of the account almost a year ago. I told them I did not believe I owed the amount they stated I did. The collectors tried to argue with me. I asked if something could be mailed. After having tried several times to have something mailed and receiving nothing, I gave up. I received a call today ; almost a year later ; and the women whom I spoke to was quite snippy. She did not give her FDCPA disclosures or even tell me the call would be monitored and recorded before telling me the account was too new to dispute. I again asked would she send verification of the charges. She said they had already been sent. I then told her I did n't receive them. She gets very quiet and does n't say anything. I ask if she can hear me and then she says she was just listening to me go off on her. I 'm confused at this point and I tell her if they ca n't dispute the charges as I asked and send me itemized statement of the charges ; I did n't care. She then said she would n't waste her time either.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-10-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (SC).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: Denied for loan approval, interest rates extremely high, school closed, unfair

Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NV).
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint: In XX/XX/XXXX I attempted to refer my payments or at least pay based on income. Navient made it extremely hard to complete my request. Their website is not user friendly, attachments need to be a particular size, and they would n't let me submit the document over email after I request. After I eventually submitted all the paperwork the way they required, there was no follow-through. I never heard if they were going to action or if they even received my request. I took out loans every semester XX/XX/XXXX-XX/XX/XXXX. I owe around {$33000.00} in student loans. I finally have a job where I can afford to start to pay students loans but I 'm concerned that I 'm going to be paying too much. My monthly payment is currently {$340.00}. I will try to get it reduced again but by what I 've read online, it seems like they are not going to work with me. I truly wish I could transfer my loans to a more reputable lender whose customer service actually operates as if they care for the borrower. Additionally, like other borrowers I read about online, they have very limited and vague contact via email i.e. " New Document Is Ready To View '' emails.

Company response to consumer: Closed with explanation
Consumer complaint received 10/28/2015 about Bank account or service (Checking account) with SUNTRUST BANKS, INC. (MD).
Issue: Deposits and withdrawals

Complaint: Having problems with suntrust bank. Made a deposit including a check and {$500.00} in cash, have the deposit receipt. The amount was credited to the account next day. Week later theyWithdrew the {$500.00} and Said i never made the {$500.00} cash deposit. Requested to see the XXXXThe bank told me it is only for their own use. I think they are trying to cover up their mistake. How do i get my money back?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2018 about Debt collection (Medical debt) with Jon Barry and Associates, Inc. (NC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Hello The collections on my report XXXX XXXX XXXX in the amount of XXXX XXXX ( opened date XXXX/XXXX/XXXX ) They have refused to remove this account from my 3 reports. The 2nd account is XXXX XXXX XXXX in the amount XXXX XXXX ( opened date XXXX/XXXX/XXXX ) both company 's have refused to remove this from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/14/2016 about Consumer Loan (Vehicle lease) with TOYOTA MOTOR CREDIT CORPORATION (PA).
Issue: Managing the loan or lease

Complaint: i leased a car a year and a half ago as i heard they have amazing cars, someone ran a stop sign and hit my car declaring it a total loss- all the money i got from that accident went straight to toyota to pay off my lease - when i went in to get a new car i was denied because of how low my credit was .... i was surprised i always checked on my credit regularly and last time i checked i had a score of over XXXX which is considered fair, i have NEVER PAYED ANYTHING LATE. I ask why my credit was that low and they tell me its because toyota put on my credit report that i made XXXX late payments -- - i was aware of this mistake in their system but i spoke with XXXX, XXXX and XXXX and i was told the problem was fixed and wouldnt cause any issues. Two days ago I go into toyota explaining the issue and telling them that i need a car and due to a mistake their system made i am unable to get one anywhere else so although i am disgusted with their company i am back for another car, they did not care. I was told i would need XXXX XXXX dollars down When i tried to further contact toyota we were hung up on multiple times resulting in a four hour phone call.

Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2016 about Debt collection (I do not know) with The Wilber Law Firm, P.C. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: The XXXX group has attempted to collect a debt from me that I do n't owe. I never established a contract with this company, furthermore I feel like they are harassing me.

Company response to consumer: Untimely response
Consumer complaint received 09/21/2015 about Student loan (Non-federal student loan) with SLM CORPORATION (PA).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: My daughter has student loans through Sallie Mae, I am a co-signer, due to her pay schedule her payment may be a few days late. We receive robo calls about a week before payment is due, and then for about a week after. These calls come every hour. I have called and talked to their representative and they tell me there is nothing they can do to stop the calls even after the payment is made.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Deposits and withdrawals

Complaint: I XXXXhad made dposite in my wife acount didnte to do that now they holding it and my job already verify funds so i dont see the big issuse i need this resolved. Now thats my check. ..

Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2016 about Bank account or service (Other bank product/service) with Ditech Financial LLC (LA).
Issue: Account opening, closing, or management

Complaint: Ditech mortage claims is not releasing funds for a home repair in a timely manner.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (CT).
Issue: Using a debit or ATM card

Complaint: I purchased XXXX cosmetic creams from an ad I saw on XXXX. After doing so I told my friend about it. She said it was a scam and that I should call my bank right away. I emailed Chase Bank that same day and told them this and instructed them not to allow any further charges to my account. They told me to contact the merchant which I did. The merchant said they would only give me a 50 % refund of XXXX charge ( there were XXXX charges altogether for only XXXX items received ). The ad said pay only shipping. The first XXXX charges were {$1.00}, {$5.00} and {$4.00} which I figured was shipping charges ). On XXXX/XXXX/16 they charged the XXXX additional charges of {$94.00} and {$89.00}. I was told I would have to call another number to dispute the {$89.00} charge. I refused to accept only 50 % refund and hung up. The girl called me right back and left a message on my answering machine that she would refund 75 % of the {$94.00} but I did n't call her back. I contacted Chase Bank again and told them about this. I was told that they could not help me. I contacted the merchant again through email and was told that they have no record of my information or orders. The bank went ahead and paid them the additional amounts of {$89.00} and {$94.00} and charged me XXXX insufficient fund charges of {$34.00} each.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10-03-2017 about Checking or savings account (Checking account) with EARLY WARNING SERVICES, LLC (MD).
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint: I opened a XXXX XXXX Account on XXXX XXXX, 2017. The next day my account was restricted due to a notification from Early Warning Services. I contacted them regarding the information that was given to XXXX XXXX. They then drafted a consumer report and was sent to me. I found that the information in the consumer report was not only inaccurate, but financial information was being disclosed between my current bank and Early Warning Services. After question EWS regarding why this information was disclosed, they were unable to answer my question but redirected me to contact the bank. After contacting my bank, they were unable to understand why I was being reported to EWS when I had no fraudulent activity or suspicions on my account ever. I then disputed all information that was given to EWS along with XXXX XXXX XXXX checking my EWS consumer report almost monthly when I do n't have an account with them, nor have I ever applied for a XXXX XXXX XXXX service. Early Warning Services if reporting incorrect information on me from several resources, and has failed to respond to my request regarding these accounts. A dispute was faxed over to the company and they have failed to respond. 
Consumer ID XXXX They failed to provide a reason for the restriction of my account, and failed to tell me why current bank account information is being shared with a 3rd party consumer reporting agency.

Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2015 about Other financial service (Foreign currency exchange) with U.S. BANCORP (CA).
Issue: Excessive fees

Complaint: I have a checking account with US Bank, so I have a check card/debit card. While in XXXX, XXXX I noticed everytime I withdraw funds or use my debit card to pay for meals, medicine, or anything, I am assessed an XXXX fee. The bank knows I 'm XXXX for XXXX weeks. I told them before I left so they would n't suspect fraud or identity theft. The fees range from XXXX cents to {$2.00}. Why the wild inconsistency? Each time I go the local ATM I have to pay the bank 's ATM fee and my bank 's XXXX fee. Why are banks charging their customers these unncesessary XXXX fees? The technology is such today that it should n't matter where I am in terms of cost to my bank. 

Therefore, the complaint is that my bank, and I 'm sure it 's industry pracitce, is taking advantage of customers who are XXXX just to earn more revenue in the form of unnecessary " XXXX fees ''. 

Also, why the wide range in XXXX fees charged by my bank? Everytime I go to an ATM I 'm paying, sometimes, more than {$5.00} in fees total to withdraw money. This can add up because I do n't have a credit card. During a typical week that could add up to more than {$50.00} in fees. I 'm not in the habit of withdrawing a lot of cash at once to store on me out of safety and budget concerns. 

Thanks for considering this complaint. 

XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: For the past five years Ocwin has what we believe is an effort to lose our payments so that they could annul our loan modification. If we get behind on our payments we lose several benefits that must be paid by the lender. They been successful by changing our payment amounts then charging the difference the next month, on several occasions simply rejecting our payments without notification. However this complaint is about Ocwin scrambling our payment history when we decided to push back against the most recent lost payment. Please see attached reported current history from Ocwin. We can not make a determination of our owed payments with Ocwin because they refuse to give us an accounting.

Company response to consumer: Closed with explanation
Consumer complaint received 08/29/2015 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Deposits and withdrawals

Complaint: On Tuesday XXXX XXXX {$18000.00} was electronically withdrawn from my business checking account, such was completely unauthorized and to a company whom I have no officiating with. It was n't until late night the XXXX XXXX, when I ram dimly logged into my account that I was aware of this. There was no fraud detection alert, and I was no notified of any unusual activity. When I called to report this I was helped and given a phone number to contact fraud detection so I could ask why I was not notified. I called this morning and was transferred from person to person for 2 hours, one transfer brought me back to the main menu of the call center, which means all of my transferring meant nothing, that was about an hour in. I finally got to talk to an apethetic banker. I asked why I was n't notified of unusual activity and his answer was " something 's are n't detected '' which totally negates any perpose for having fraud detection. I then tried to explain that I will be out of town before to 10 business days, in which they will investigate, are up and would be out of service. My concern is that if I had to answer any questions that I would be unavailable.he then out in a request to have my case be expedited, but I really do n't know if that has any validity. I am worried, frustrated, and feel unsafe working with Wells Fargo. Being a small business owner I have XXXX other things do to and worry about.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with WESTERN UNION COMPANY, THE (VA).
Issue: Other transaction problem

Complaint: Western Union I made money transfers listing myself as the reciever. I did not pick them up Within 30days then Im told they no longer have access to the transaction they would need to further investigate the matter. With there back office They sent a few letters as this concerns a few transfers of which for were for XXXX $ And 4 for XXXX $ .after repeated inquiries from me stating that the money was paid correctly. I am the sender and the reciever. I repeated told them I have not picked up my the money then after so much time passed they state that the money transfer has been picked up. I ask them by whom they respond with the person listed I once again inform them that I had not picked up the transfer. I then ask them to provide the merchant location where the transfer was paid out. they refuse stating its confidential. I Have told western Union time n time again I am the sender and the reciever and I have not picked up these money transfers. They just dont care. Im out {$1800.00} total from these unprocessed money transfers.

Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2015 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (VA).
Issue: Account opening, closing, or management

Complaint: Bank of America is changing the account 'type ' that I originally signed up for and the resulting fees are significant. With little notice, BofA is requiring a balance of {$2500.00} for me to maintain my account 'level ' which came with essentially free access to the bank and free checks. Now they intend charge {$25.00} each month for me to maintain that account at BofA. Also, the line of credit linked to my account will assess a fee of {$10.00} per transfer. This was previously free. These new fees are unacceptable and I do not think it is fair or legal for them to force me to downgrade my account and limit my access to the bank and my money. 
By analogy, this is like buying a new car from XXXX with power windows a few years ago and then hearing from them today that they want to remove the power windows 'benefit ' from my car. If not, they will charge me {$10.00} or {$25.00} each time I want to use the power windows unless I buy a new 'plan ' for {$2500.00}. 
By comparison, the other banks ( and credit unions ) I have funds with are not charging fees for this access to my money nor requiring minimum balances or 'direct deposits ' so I question the legality of the new requirements and fee structures. At a minimum it is poor customer relations not good business. 
My attempts to resolve this with BofA have been rather time consuming and somewhat fruitless.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MI).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Hello, Equifax recently leaked a massive amount of information and my information is compromised according to their website. This means they have given other people unauthorized access to my full name, Social Security number, birth date, addresses, and, possible, driver license number. This is a significant misuse of my information and could lead to easy identify theft. 

Their resolution of a single year of credit monitoring service is hardly adequate, and we should be given a lifetime worth of it, along with free credit freezes and anything other services that I and others can use to protect ourselves from this massive XXXX up. 

Thank you XXXX

Company response to consumer: Closed with explanation