milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-10-2015 about Debt collection (I do not know) with National Credit Systems,Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I HAVE SENT THIS COMPANY XXXX LETTER TO STOP CALLING ME AND STOP REPORTING THIS ON MY CREDIT. THEY NO LISTEN TO ME AND I CANS NOT TAKES THIS ANYMORE.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: I opened an account with bank of america around XXXX 2014 for XXXX and i didnt have ny card yet so i had to go to the bank to take out cash so the 3rd time i went i was told that i couldnt take out any money and that i had to call and figure out why it took me 2 hrs to find out that they closed my account and they really couldnt tell me why ive recently learned that they are being suied and needed to file my claim as quickly as possible

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 04/24/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: XXXX  was closed and I am not satisfied with the company response.   My original complaint : YOUR COMPLAINT After my  XXXX  in   XXXX   XXXX  , I decided to go into a public service position that I am still working in. I was aware of the  Public Loan Forg  iveness pr ogram and inquired about the requirements. My loans are direct and eligible. I consolidated my loans in   XXXX   XXXX  . I asked about whether this would change my eligibility and was assured that if I still made payments, I would be on track for the student loan forgiveness program. In   XXXX   XXXX  , I decided to submit my application to see where I stood. I received a response back in   XXXX   XXXX   stating that none of payments qualified. I contacted th e FedLoan  Services at  XXXX    XXXX   XXXX   to ask about this. They said it was because I consolidated my loan. They listed the eligible payment plans and said that I could pay a 10 year level payment plan and then be eligible. I stated that if I did that my entire loan would be paid off, so there would be nothing to be forgiven. She said " probably. '' I knowingly took a public service position, making less than I could in the commercial sector so that I could work towards student loan payoff. Now, after over 8 years, I am being told that my payments are not eligible. Why have a " forgiveness '' plan if you are required to pay it in full. There is nothing to forgive. I do not recall back in  2009  when I did this seeing anything that said a consolidated loan would not qualify. This program is a sham.  XXXX   XXXX  :  XXXX  University,  XXXX   XXXX , MO.     Company response : Uploaded PDF. I could not access the pdf to review the full response. I will respond to the comments listed. " FedLoan Servicing advised the borrower of the eligibility requirements for the PSLF program. FedLoan Servicing advised that the borrower 's loans were placed on  a 25-year Standard Level repayment plan, which was not eligible for the PSLF program. FedLoan Servicing encouraged the borrower to apply for Income-Driven Repayment ( IDR ), which is eligible for the PSLF program. " I was not advised that going on a repayment plan   of 25 years would make me ineligible for the PSLF program. To the contrary, I was told that if I made regular payments under the 25 year repayment plan that I would be eligible for the PSLF. I still do not understand how you can make 10 years of payments under a standard plan and still have a balance that would be forgiven.

Company response to consumer: Closed with explanation
Consumer complaint received 11/22/2017 about Debt collection (Credit card debt) with Alliance Data Card Services (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: For the past couple of years I have been disputing charges from XXXX XXXX XXXX XXXX, I initially signed up for a treatment package up to {$1500.00} with Comenity Bank and treatment was going to be rendered for about 8 months. After my consultation I made an appointment and when I showed up to the facility was closed, shut down and out of business. I made numerous attempts to contact them by phone without any luck. 

I did make a few payments and contacted Comenity Bank and later the collection company XXXX XXXX but they were not able to negotiate. 

These charges/services were not delivered as agreed and I truly believe this should be deleted from my credit report as it is hurting my credit. 

Please help, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/15/2016 about Debt collection (Medical) with Fresno Credit Bureau (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: A collection account from the Fresno Credit Bureau appeared on my credit report for the first time in the summer of XXXX. The balance was {$250.00} and the original creditor was XXXX XXXX XXXX opened on XXXX XXXX, XXXX. I was fully covered by student insurance at the time. I never received the bill from either parties nor was I ever notified of this bill 's existence or when it went into collections. After speaking to XXXX XXXX XXXX directly, they confirmed that they had attempted to contact me at the incorrect address and phone number. After confirming that they also failed to bill my insurance, XXXX XXXX XXXX verified that all outstanding balances shall be written off and removed from my credit report. A couple weeks later, I received a letter from the Fresno Credit Bureau, stating that my collection account has been cancelled and requested for my account to be deleted from consumer reporting agencies. After noticing that the collection account is still appearing on my credit report, I reached out to the Fresno Credit Bureau in XXXX XXXX by phone and they claimed that the paperwork has been filed and my account should be taken off within 30 days. It has been 8 months and the collection account is still on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2016 about Mortgage (Conventional fixed mortgage) with Dovenmuehle Mortgage, Inc. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: On XXXX/XXXX/16 XXXX payments ( Mortgage {$640.00} & Escrow Shortage {$190.00} ) was made at my local branch. I was told that the computer would not accept the XXXX payments because it has my mortgage payment at {$650.00} therefore the mortgage payment of {$640.00} was transferred into my savings account & the mortgage payment for the month of XXXX was paid by taken the difference that was needed ( {$16.00} XXXX & applying it to the mortgage ; I was also told that the payment for the escrow shortage in the amount of {$190.00} will be credited to my account. 
On XXXX/XXXX/16 I notified customer services via telephone that the payment for my escrow shortage in the amount of {$190.00} was placed in a suspense account instead of applying it to the mortgage. Customer service informed me that the escrow payment in the amount of {$190.00} would be applied to my account within 24 hours. On XXXX/XXXX/16 I observed through online banking only {$180.00} was actually applied to the escrow shortage leaving {$18.00} still in the suspense account & I also noticed that my mortgage is still set at the old amount of {$650.00} ( pre escrow shortage amount ) instead of the new amount of {$640.00} after paying the escrow shortage off.

Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (NY).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: On XXXX XXXX XXXX, XXXX card closed the credit card I had. The card # is XXXX XXXX XXXX XXXX. The reason they said was because I tried to make a payment from an unauthorized account. The payment was returned and I have made payments from the correct account before and after this incident. The returned payment was made on XXXX XXXX, XXXX in the amount of {$XXXX}. The account unauthorized was an account in my name at the Federal Reserve in XXXX, account XXXX. I was told I could use these funds as they were in my name, but I was misguided and and made a mistake. What account I tied to use should not be relevant to the credit card company. That is between me and the account holder where I tried to make the payment from. I have pleaded with them to not close this account. I apologized for the mistake. I feel I am being treated unfairly because of this mistake I made. This is a case of disparate treatment. They do not close the accounts of other card holders for making the same mistake. I have been singled out and treated less favorably as a result of the mistaken unauthorized payment. My civil rights, Title VII of the US Civil Rights Act protects me and they need to treat me the same way they treat any consumer that makes a mistaken payment. Barclay 's has said they are closing all accounts who tried to make payments from the Fed. But they have admitted that they do not close accounts for other card holders who make mistaken payments from unauthorized accounts other than the Fed. Not fair treatment. A mistake is a mistake. There was no harm done as I paid a {$XXXX} returned payment fee. What is so special about my behavior and error in payment that gives them the right to close the account, while I was on vacation, when other consumers have made a similar error and not had their account closed? Barclays card customer service # is XXXX. Thank you, 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 12-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OH).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: There 's way too many unauthorized hard inquires on my credit report. Only a hand full of those inquires are actually done by me.

Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2016 about Money transfers (Domestic (US) money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (CA).
Issue: Fraud or scam

Complaint: MoneyGram, a money transfer company failed to protect me against fraud transactions. I was contacted by someone claiming to be from the IRS today stating that I owe back taxes and if I do not pay immediately, I will be arrested and detained for 72 hours. The caller was threatening to have me arrested if I do not pay within 40-45 minutes. As such, I made XXXX transactions to names in XXXX, IL through MoneyGram totaling {$5900.00}. I began to realize that this was a scam as I suspected that multiple transfers needed to be made. I called MoneyGram to stop the transactions but they could not refund me the 4 payments since it was already received. They did not have a process where they could have checked the background of the recipient or other preventive measures to avoid consumer fraud. I have complained to MoneyGram but they tell me they can not do anything about it. I am very upset, feel cheated, robbed and scammed. And I believe that MoneyGram is negligent and irresponsible by failing to protect the consumer. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2018 about Debt collection (I do not know) with Grant & Weber (NE).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Grant & Weber claim I owe {$10000.00}. I have never received written notice of the debt or how the debt was incurred.

Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2016 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Credit bureau is in direct violation of FDCPA and FCRA and have validated/verified the accounts on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2016 about Consumer Loan (Installment loan) with PAYPAL HOLDINGS INC. (TX).
Issue: Taking out the loan or lease

Complaint: I made an on line purchase of a class ring in XXXX 2015. The vendor used PayPal as a method of payment. Having purchased several items using PayPal who has my credit card on file there was no problem. After several weeks of not having received the item, I gave the vendor a deadline to have the item delivered or the purchase would be cancelled. The item was not received and there were no charges on my credit card so I assumed to purchase was cancelled. Sometime in XX/XX/XXXX or XX/XX/XXXX I received a bill from Bill Me Later/PayPal for the item. I contacted PayPal and XXXX XXXX and advised them I never opened an account with them and that the purchase in question was to have been placed on my credit card. I requested copies of my loan application, loan contract and disclosures, none of which have been provided. I attempted several more times to obtain documentation, all requests were ignored. I continue to receive statements and now I received a collection letter from a collection agency. This account was and is a fraudulent account not authorized by me and should never have been opened. I advised PayPal that the purchase was cancelled and that they should contact the vendor if they paid him.. The representative told me it was not their responsibility to resolve the issue however it is my understanding that since they did open an account on behalf of PayPal that under the Holder in Due Course Doctrine, they do have a responsibility. Either way, I did not authorize PayPal to open the account and from what I can tell, I am not an isolated incident.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/23/2017 about Consumer Loan (Installment loan) with BorrowersFirst, Inc. (RI).
Issue: Managing the loan or lease

Complaint: I tried responding as a despute but I kept getting an error. 

Case number : XXXX My response today I have been charged NSF fees, {$45.00} to be exact, but that is not the issue I am complaining about. In almost every statement there is charged called a billed finance charge that has added up to {$1000.00}. There were a few approximately XXXX different months when I receive a NSF due to too many things going through my account. I paid them when everything cleared on my account. The NSF issue was resolved by charging me the XXXX charges of {$15.00} as you can see in the statements. I 've been faithfully paying and my payments, and so far I have invested XXXX {$3600.00} into this. Almost a third of that money has been taken by these billed finance charges. I keep getting harassed and contacted by Borrowers First, urging me to give them money, yet they still have not even addressed the obvious large charges on this account. In addition why would my payments suddenly go from {$290.00} to {$620.00}? 

Payments XXXX NSF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX*XXXX XXXX XXXX The companies previous response/ what I am responding to. 

XXXX has researched XXXX complaint and has determined that this loan has been paid down from its original balance. The original loan amount was {$7500.00} and the pre-paid finance charge was {$370.00} ; therefore, the amount originally owed was {$7800.00}. XXXX current loan balance shows as {$6700.00}. Additionally, by reviewing the monthly statements submitted to the CFPB and XXXX account, the loan has not negatively amortized. He has incurred many NSF fees which has added to the overall outstanding balance of the loan, but these NSF fees have not caused negative amortization of the loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (GA).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: NAVIENT is using unfair collection practices and harassing phone calls to collect a debt that has been asked to be helped with because of lack of work. They call on three phone lines sometimes 15 times a day they call from XXXX unitl after XXXX some times. The only paper response I can get out of them is a form letter that does not address my current situation.

Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2017 about Debt collection (Non-federal student loan) with Immediate Credit Recovery (NC).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have been trying to pay a debt presumed owed to this collection agency. I have made XXXX to XXXX attempts but to no prevail. I have talked to a receptionist and they keep telling me to leave a message at another department so someone can call me back. I have yet to hear back from anyone to resolve this issue. I 'm trying to get financing on a house for my family. All I want to do is pay what is presumedly owed so this information can be removed from my credit file and credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CO).
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: Equifax credit dispute XXXX XXXX, XXXX We attempted online dispute and was timed out. 2 attempt answered wrong security question and was blocked and could not access with several attempts. 

Unable to correct erroneous information, but their system or employee took this as completed which it was n't. We did n't submit or check any boxes to submit or be mailed to anyone. We would not do this online. 

A week later, received email from Equifax re : dispute status, dates and confirmation numbers. 

Top line with confirmation number, Status completed, dispute date XXXX/XXXX/XXXX completion date XXXX/XXXX/XXXX Results : MAILED! though date is XXXX. ( We preprinted the erroneous report. ) We did not authorize this for anything to be mailed! 
We called them right away to ask what and to whom it was mailed. They mailed it to the wrong address. The identity thief 's address and said it was a fraud alert only. GREAT. 
How stupid is that? What kind of company does this? Shame on you. We should go to the national news and local TV stations. I filed a complaint with the Georgia AG and BBB. We are telling everyone what EQUI FAX did.  Banks and businesses to stay away from you.

Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mishandled my credit report and personal information as well as those of 143 million US citizens/residents by allowing the highly valuable data to be hacked from their servers. They should be held accountable for the liability they have put me in. They should offer lifetime credit monitoring services, not 1 year protection. Hackers are smart enough to wait until the 1 year period is through until they start using the stolen information.Additionally, insider trading occurred as some high level executives sold company shares before these news were revealed to the public. I demand action takes place against this poorly run corporation.

Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2016 about Payday loan () with ACE CASH EXPRESS, INC. (CA).
Issue: Charged fees or interest I didn't expect

Complaint: I got a mailer - I went in to get a pay day loan which was to be free of interest and fees. I double read the flyer and I was within the guidlines. I go in the lady goes to enter in the code says it does not work calls the district manager and he said it is for returning customers - I had been there before - they would not honor the flyer. I called their executive offices, they told me they would have someone call never did I emailed and called several times and when the payday loan was due they took all {$300.00} and did not honor the flyer. I passsed my XXXX so I do know the difference between a consumer and a customer - I was a returning customer I did business with them before they cheated me need to be stopped from XXXX over consumers. I should have paid {$250.00} instead {$300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2017 about Mortgage (Conventional home mortgage) with SELECT PORTFOLIO SERVICING, INC. (FL).
Issue: Trouble during payment process

Complaint: In XX/XX/XXXX, Select Portfolio Servicing ( SPS ) inc. based in XXXX XXXX XXXX, Utah took over my mortgage from XXXX. I have three specific complaints against SPS. <P/>( 1 ). During this acquisition, I had a home insurance recovery fund with XXXX. XXXX already paid two installments of the insurance recovery fund and did necessary inspection to pay the 3rd & final installment of the fund ( approx 13K ). <P/>Since the takeover, SPS is giving me run around and as of yet did not release the final installment of my recovery fund. After 9 months of pursuance, SPS finally did an inspection and now saying they have to verify some info with XXXX and froze my fund!! This situation is holding finishing my house work costing me additional living expenses. I am living out of home because I can not complete the restoration work without the insurance recovery money and SPS has already delayed 1 year. SPS is causing me immense hardship and disrupting my personal, social and married life. <P/>( 2. ) During the acquisition, my principal balance with XXXX as of XX/XX/XXXX was $ XXXX whereas SPS is showing $ XXXX as my principal balance. After repeated requests to correct this, SPS is not correcting the amount. I have statement from XXXX showing it was XXXX during the acquisition. <P/>( 3. ) My previous home insurance company dropped me in early XX/XX/XXXX due to hurricane reduction. I got a new home insurance and all documents were sent to SPS via fax and U.S. mail on XX/XX/XXXX. SPS as of today did not pay the premiums to the home insurance company and the new company is about to drop me. <P/>Basically, SPS is playing a foul game and causing me serious financial hardship. My social and married life is at jeopardy for the same reason. I did not choose SPS and I have no role in their acquisition of my mortgage. They are holding my last and final installment and not letting me finish the house work. I am paying my mortgage regularly but I am out of that home for more than 1 year because of SPS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation