milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/13/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (MS).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: MY IDENTITY WAS STOLEN. AMERICAN EDUCATION SERVICES HAVE PUT INFORMATION ON MY CREDIT REPORT WHICH DOES NOT BELONG TO ME. 

I STRUGGLED TO PAY TUITION FOR MANY YEARS. I WROTE AN ESSAY DURING MY CLASSES AT XXXX XXXX AND THE SEMESTER PRIOR TO GRADUATING, THEY GAVE ME {$1400.00}. IF THERE WAS ANY MORE MONEY, I DO NOT KNOW WHO GOT IT. I DID NOT GET IT. 

I HAVE BEEN IN CHAPTER XXXX FOR 5 YEARS AND ANY BILLS THAT I HAD PAID TO CHAPTER XXXX. AFTER THAT ANY CHARGE OFF OR WRITE OFFS HAVE BEEN RESOLVED DURING THAT PERIOD. 

I DO NOT BELIEVE THAT THIS DEBT BELONG TO ME. SOMEONE HAVE BEEN USING MY ID AND MY SOCIAL SECURITY NUMBER WITHOUT MY KNOWLEDGE. 

I HAVE REPORTED THIS MATTER TO THE XXXX XXXX POLICE DEPARTMENT REPORT # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2016 about Student loan (Federal student loan servicing) with HEARTLAND PAYMENT SYSTEMS INC (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: ECSI XXXX., based in XXXX, PA, services my XXXX loan There have been at least XXXX instances where they conveniently delay the processing of my timely-made monthly payment, so that an additional {$10.00} late fee is applied.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Equifax does not identify who does verification and what documentation is used to confirm verification. I have court documents ; what are they using? It appears that are using the word of the company reporting their information. XXXX XXXX is reporting incorrect and outdated information on an account that is no longer associated with them.

Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2018 about Student loan (Federal student loan servicing) with Equitable Acceptance Corporation (PA).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: My name is XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX pa XXXX, XXXX. I had a third party call me asked me to consolidate my loan called equitable acceptance is the name of the company, so thought I was doing that but I was paying this compay out of my banking account for 8 months. I discovered when I called XXXX XXXX XXXX that this company was a fraid because the nice lady told me the XXXX XXXX XXXX don't ask to pay them to consolidate fed loans. I was upset because I've been paying equitable acceptance money that was applied to my fed loan. I'm asking to investigate this company so I can recieve all payments back to me. Another complaints is that I was trying to get my transcripts from the school department in XXXX, but there's transcripts available from XXXX XXXX for me. I needed the transcripts to continue my education. I've called the school department in XXXX and the school XXXX there's nn transcripts. My question to this complaint is how can I be paying a student loan and there's no transcript available for proof of my education? Without transcripts I feel my diploma my time I decatied going to XXXX was just a waste? If my diploma valid? I can't use XXXX on my resume knowing the truth about this school. Please help me to solve this situation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2017 about Mortgage (Other mortgage) with JPMORGAN CHASE & CO. (MD).
Issue: Loan modification,collection,foreclosure

Complaint: I RECEIVED A LETTER STATING THAT JP MORGAN CHASE SOLD THEE MY LOAN TO XXXX ON XXXX XXXX, 2014. IS THIS INFORMATION CORRECT OR NOT.

Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I applied for a XXXX credit account on XX/XX/2017 and was approved for a credit line of {$400.00}. Shortly after, and without notice, my credit line was rescinded by the creditor, XXXX XXXX ( DBA XXXX XXXX XXXX ). However, they still allowed me to pay back the amount used ti purchase the air fare, which was {$270.00}. 
I have paid the balance in full but noticed my XXXX credit account has NOT been reported to the credit bureaus.

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 10-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have an active auto loan with XXXX XXXX. This account was opened XX/XX/XXXX. In  XX/XX/XXXX and XX/XX/XXXX i made both payments before the due dates yet they both show as late on my credit report. Again In XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX Late payments are showing for my account. I have called XXXX XXXX several times to get this fixed and try to find out why this happened. I have placed calls to them XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Each time i call i am told that they have proof of the late payments and they are not obligated to fix the problem or send me the verification of these payments. I sent 3 certified letters requesting the verification to which i receive no response. I have even provided XXXX with copies of my bank documents showing the payments as processed and the statements from XXXX showing on time payments. These erroneous entries are having a huge negative effect on my credit rating and the fact that noone at XXXX is even making an attempt to resolve this problem. The last agent i spoke with XX/XX/XXXX told me if i dont like it i should just do a voluntary repo on the car.

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 08/23/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (PA).
Issue: Account opening, closing, or management

Complaint: Despite closing my checking and savings account at Wells Fargo over a year ago, they continue to send me letters and updated about my " account '' with them. I have gone twice in person after initially closing my account because they claimed I had a balance of XXXX penny. It took me three months and XXXX visits to stop receiving that type of letter. Just now I received a letter about my wells fargo online services being updated. Since I am no longer their costumer I would like them to stop storing my contact information and stop contacting me. I found my experience to be caused by repeated incompetencies and inconsistencies by Wells Fargo employees and do not feel that this matter can be resolved through their support department.

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 01-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Following the receipt of my credit report late last year from the Equifax, XXXX and XXXX consumer reporting agencies, I learned of an adverse account from XXXX/XXXX. Said account reported to all three credit reporting agencies under account number XXXX, with a customer number of XXXX. 


I never had an account with XXXX. Disputes with the credit reporting agencies were for naught as XXXX/XXXX mere confirmed the accounts. I complained to XXXX - in writing - and even completed two separate fraud affidavits received by this creditor. They were also ignored with an explanation that the account was not misused. 


Once again - I never maintained an account with XXXX/XXXX. This company ignored my concerns despite evidence of identity theft, a return of the required affidavits, and the existence of a fraud alert on my Equifax, XXXX and XXXX consumer credit profiles. 

I now file my complaint to the CFPB seeking relief.

Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2015 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (KY).
Issue: Managing the loan or lease

Complaint: My XX/XX/XXXX XXXX XXXX was repoed in late XX/XX/XXXX. I had heard nothing from the ender nor a collection agency until a few months ago, My uncle whom does not live with me received calls to his personal cell phone fro a collection agency about MY personal matter with this.I received nothing from the lender about when my vehicle was sold, if it sold, how much, how much a credit or I owed. contacted a attorney and he advised me by KY law the lender MUST submit within 10 days a statement of what the vehicle sold for etc on my account. I have received nothing, I told the debt collection agency I had received nothing he said he would request documents be mailed and that was 3 months ago and I have received nothing. I want this matter closed and documents have been sent to Santander advising court would get involved if it is not.

Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2015 about Bank account or service (Checking account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (TX).
Issue: Account opening, closing, or management

Complaint: USAA has blocked access to online website as well as closed my checking and savings as well as prohibited me from opening new ones. They have picked an arbitrary date for me to be able to get out of punishment for executing my constitutional right to file Chapter XXXX. The further discrimination and harassment for such a long time following a major financial decision is intolerable. The XXXX-year time-out that USAA puts in place is nonsense and prohibitive to people trying to maintain or re-establish their financial lives following the major decision to file Chapter. USAA 's practice of this method of punishment to the military community it serves needs to be addressed. I had no choice but to file for Chapter after my divorce or face financial ruin. I can not even have a savings account. It is absolutely absurd. No other bank does this and thankfully XXXX XXXX XXXX has been a wonderful plan B, so even if I can switch I do n't know that I will because of how USAA treats their customers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/18/2015 about Debt collection (Medical) with Continental Credit Control (CA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: This is the second time that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, ( XXXX, XXXX or fax XXXX ) has enlisted Contintenal Credit Control ( CCC ) to pursue payment from me without ever providing a bill to indicating payment was needed in either case. My credit score is over XXXX ( in top XXXX % of Americans ) this does not happen without conscientious attention to XXXX bills. I am about to pursue a loan to fund my portion of an assessment on my condominium and if my credit is harmed due to XXXX malfeasance, I will seek potent remedies. Please help.

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 01/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MN).
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 had an equity loan through XXXX XXXX XXXX. Instead of renewing the equity loan, I elected to turn it in to a conventional mortgage loan instrument, at a fixed rate. Experian is still reporting it as a revolving account, instead of a real estate item, on their online website, which is erroneous. Numerous communications with Experian agents have failed to rectify the problem, with them insisting that it is a revolving item, since it is an active line of credit. XXXX XXXX cancelled that line of credit when I elected not to renew the original equity product.

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 06/26/2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: so there is fraud inquirys on my credit report i ask them to remove them i provided my police report with each inquiry listed in the police report a letter stating why im disputing these with copy of my id and i called in after 4 days and they sent the same letter that says inquirys are factual records and i told them the company 's didnt have my information and there is nothing i can do they kept giving me the run around been on the phone with them for over 30 mins trying to get this straight but still get no help what so ever

Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Midwest Recovery Systems (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: midwest recovery systems placed a collection account on my credit report. Thing is my credit report is free of any outstanding accounts. For about three years. No prior communication and I do n't recognize original debtor. This account is fraudulent or trying to collect on an account that was already settled. This account needs to be removed from all credit bureaus it reported to. I do not owe anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2018 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TX).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: So I started off with XXXX on my loan in XXXX. Now I 'm up to XXXX on the same loan. I have been dealing with Navient who holds my loans. The loans have been put on forbearance and now been on income repayment plan but no matter what I do, my loan keeps going up XXXX dollars every year. This last time I asked why and they said it was the interest but if I look on the documents they gave me for all the income repayment plans and forbearance is explained the opposite. I also try to claim that when I graduated from XXXX, the loan was higher then what I applied for. XXXX XXXX/ Navient never looked into for me. I need help!

Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2017 about Debt collection (Medical debt) with Capio Partners, LLC (SC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: This debt has been removed from my account on several occasions. The company can not verify debt and once it 's pass the allotted time to verify the debt is removed. The company then reinserts debt back onto all  XXXX  credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-07-2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (TN).
Issue: Loan servicing, payments, escrow account

Complaint: OCWEN was my loan provider in XXXX and XXXX ( loan number XXXX ). In XXXX I purchased new hazard insurance for my house. When I sent OCWEN the documents for this XXXX insurance ( price {$1200.00} ), an OCWEN representative called me to tell me that the insurance had to cover 80 % of the remaining loan amount. Thus, I adjusted the insurance with XXXX to meet OCWEN 's demand ( price {$1400.00} ). My loan was sold to XXXX in XXXX and recently my monthly premium was raised by XXXX. Thus, I went back over my loan information to determine why my rate had increased. What I found out was that OCWEN had taken XXXX the {$1200.00} payment and the {$1400.00} payment from my escrow, which were claimed to be sent in the form of Insurance Disbursement checks to XXXX ( XXXX XXXX XXXX VIRGINIA or XXXX XXXX XXXX XXXX. Interestingly, however, XXXX never received the payment from OCWEN for the {$1200.00}. Therefore, OCWEN took {$1200.00} from my escrow that was not used for insurance and never returned to me or my escrow account. What concerns me is that I believe OCWEN representatives may be doing this to many loan customers, double charging for insurance from the borrowers escrow account and only paying the insurance company once. It would be easy for you to look at some OCWEN customer loans from XXXX and determine if there are a lot of double insurance charges in this year. If there were then I believe this may be a fraudulent activity that OCWEN is involved in.

Company response to consumer: Closed with explanation
Consumer complaint received 11/25/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (NY).
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint: A good number of years ago ( I do not have the exact years ) most banks and finance companies were offering their credit cards with highly competitive terms on a very frequent and feverish basis. At that time, I applied for and received a XXXX credit card having TREMENDOUS TERMS through XXXX XXXX ( I understand that XXXX did n't have a bank but that was just the name that they used for the services that they provided ). The terms for this XXXX credit card was : An adjustable rate based on " The Prime Rate minus 2 %, plus a {$98.00} Annual Fee ''. Yes, that 's correct! 
At the time, I believe that the Prime Rate was around 8 % ( meaning around 6 % to me because of the Prime minus 2 feature. This was not a fantasy ; it was real. 
Over time, " XXXX '' sold-off its credit card division to " First USA '' who later sold-off theirs to " XXXX XXXX '' who, finally, sold-off theirs to " Chase '', which is where it resides now. 

This complaint is not necessarily against Chase or its credit practices but rather to obtain information about the coming changes that will impact my account in XX/XX/XXXX that their customer service reps were having difficulty in making clear to me. 
The new " Revised Terms as of XX/XX/XXXX '' calls for the APR for Purchases and Balance Transfers to be 4.99 %, which will vary with the Prime Rate. 

I never thought that my previous tremendous terms would last forever and expected that they would find some way at some point to change it. All I want to know is that there was no mistake in changing my terms and that I once belonged to a special class, all of whose terms will now be retired. 

On XX/XX/XXXX, I called Chase 's customer service line and attempted to make sure that they were aware that I was in the Prime minus 2 % class AND that ALL of those who are in that class will legitimately have their previous terms retired and replaced with the new terms that will go into effect on XX/XX/XXXX. 
They really could n't answer those above questions to my satisfaction because they did n't see that I was associated with the Prime minus 2 % terms and because they said that, as of XX/XX/XXXX, my rate dropped from 2.25 % down to 0 %. While Prime minus 2 sounds like a real fantasy, 0 % sounds to me like an outright mistake OR some deviously planned technicality wherein Chase may have found a loophole under which they could obtain the legal grounds to later make the changes that I now face. 
Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2018 about Vehicle loan or lease (Loan) with HYUNDAI CAPITAL AMERICA (FL).
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint: I called XXXX XXXX XXXX on XX/XX/XXXX. I was informed that I still owe XXXX after my payment of XXXX on XX/XX/XXXX. During XXXX I experienced some financial problems and XXXX XXXX XXXX allowed me to differ 4 monthly payments and stated that those 4 payments would be added on to the end of the term. However, through my conversation with two different supervisors, I was told that there are additional charges even after I have paid the 72 month term. My first monthly bill was on XXXX XXXX and should have ended on XXXX XXXX. Considering my 4 differed payments, my last payment should be XXXX XXXX. The supervisors stated the additional fee's are principal of XXXX. During my conversations with the associates that allowed me to differ the payments, the additional fee's and charges was never mentioned, other than the payments being added to the end of the term. I spoke to XXXX employee #XXXX on XX/XX/XXXX. I asked for her manager, she stated one would call within 24-48 hours and I have not received a call. I faxed a complaint letter to Customer care on XX/XX/XXXX. I called again on XX/XX/XXXX after receiving a past due text to my cell phone. I should not be liable for charges I was not made aware of.

Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2016 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (CA).
Issue: Credit decision / Underwriting

Complaint: This is a direct complaint about the Chase Mortgage team in XXXX XXXX XXXX, XXXX California, led by XXXX XXXX. Loan Officer : XXXX XXXX Chase failed to properly qualify my buyers who initially applied through the VA Mortgage program. More than halfway through the loan application process, the underwriters decided to reject the loan ( allegedly due to regulation changes by the VA ) while we were a couple weeks away from the close of escrow. Buyers had to re-apply for a conventional loan and redo another appraisal on the property. Delays after delays with no updates to the buyer 's agent and not returning calls / text / email from my listing agent. Took me to reach out XXXX to get some updates on the progress of the loan. Furthermore, the underwriters have been dragging their feet on the approvals and nobody has been communicative or transparent about status, despite stating that the loan is marked for " rush ''. It 's unheard of for a government agency to not grandfather in loans that are in progress when there are regulatory changes. Seems very much like Chase is trying to cover their tracks with this error. Their lack of transparency to the issue and timelines have made this experience terribly difficult for all parties involved. This is unacceptable on all levels.

Company response to consumer: Closed with explanation