milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/28/2017 about Student loan (Private student loan) with SLM CORPORATION (GA).
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: For the last 2 years, I have been making payments to them and when I tried to get my payments lowered they told me they could not do it. I was making my payments on time for 6 months plus on time then they decide to change my payment after I called them to tell them not to change my payments because I was going back to school. Then they tried to charge a late fee and add an extra payment at the end of my loan after I talked to one of their customer service representatives and told her not to change my payments. This year has been challenging because I know I signed up for fixed interest rates but they said I did not and now my payments keep going up because of that incident I just explain.I am so ready to pay them off it took me 1 1/2 years to get my payments under {$10.00}, XXXX. I signed up for interest only payments because after reading the instructions that were misleading I thought I paying off the a set interest rate that was accumulated on the principal of the loan but I was not. Now my payments are going up a {$1.00} it seems like every month. I was at {$210.00} now I am at {$210.00}. I just hope it stays there because I can not afford to go any higher and they are not willing to help with getting my payments decreased.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2016 about Credit card () with AMERICAN EXPRESS COMPANY (GA).
Issue: Credit card protection / Debt protection

Complaint: I paid my XXXX taxes on line on XXXX/XXXX/XXXX through XXXX XXXX XXXX had to use my American Express Credit Card for payment. On XXXX XXXX, XXXX when I received my XXXX bill from American Express, there were XXXX pages of charges from XXXX for over XXXX I did not authorize these charges. I have been working with American Express Fraud Dept. to settle these charges Each time I call ( over 20 times now ) I get a different person to talk to & get disconnected multiple times. I wrote the XXXX letter on XXXX XXXX, XXXX documenting what has happened. On XXXX XXXX I receive an email notice saying that my account was past due almost {$4000.00}. On XXXX XXXX, XXXX, I filed a police report & faxed XXXX pages of documentation to American Express Fraud Dept. I called them on XXXX XXXX to make sure they had received the fax - they did. I heard nothing from them. I called American Express on XXXX XXXX, XXXX. Was disconnected 4 times in over an hour period of time. Talked with Supervisor & given new fraud case number XXXX. I printed out my credit reports from XXXX & XXXX. Found that American Express had reported that my account was 30-60 days delinquent at each Credit Bureau for {$6800.00}. All of that money is from the fraud charges! I called American Express Credit Bureau Unit. They immediately referred me to the Fraud Department. XXXX a Fraud representative said that she would investigate & get back to me this week. We shall see.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03-02-2016 about Consumer Loan (Installment loan) with Delbert Services (DC).
Issue: Managing the loan or lease

Complaint: I entered into a loan agreement with Western Sky which handed off to XXXX. I have been paying almost {$300.00} a month for almost 2 full years. I owe now more than I originally borrowed. They take only $ XXXX- {$6.00} of my payment to the principal and apply {$290.00} to interest. I was in dire financial straits when the loan was first taken out. I am now just living on my Social Security. It has become quite a hardship for me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (VA).
Issue: Problem with fraud alerts or security freezes

Complaint: I had fraud charges filed on 4 credit cards with Capital One credit card company. 
All of this problem started in XX/XX/XXXX I complained about charges on my cards and Capital One sent the information to their fraud Dept. The fraud department suggested that they change my card numbers and they sent me 4 new cards. When I got the new cards there was charges on the new cards that was not mine. I now have about 35 new cards that Capital One sent to me during this period of time with emblems on the card to go to Capital One.com/activate, which I would not do, because when I received the cards there were charges on the card that were not mine. I have not used any of these cards since XX/XX/XXXX. On one card Capital One owed me money and they sent me a check for that amount and at that time I requested Capital One to close all my accounts, which they did, as I assumed that this would be the only way to stop charges on the accounts and it did work. One time I asked Capital One how could people charge on my cards and they said XXXX XXXX would let them charge and Capital One said they had no control over XXXX XXXX, because Capital One had an agreement with XXXX XXXX and they were responsible. 

I have been trying to clear up this matter with Capital One since XXXX and they sent me letters saying I would not be responsible for the fraud charges and I would not have to pay for this problem, which they have honored up until now. They have on my credit reports that I was late in XX/XX/XXXX, which I did not know they were settled. When I found out I started making minimum payments on three account to keep these charges from showing up on my credit report. 

Capital One has said they are going to fix information on my credit reports, but it will take 60 to 90 days to have the information recorded in the reports. 

I have an application for a VA loan on a home that the Bank said unless I get this information cleared up they are going to have to cancel my loan and turn the application down for credit problems.

Company response to consumer: Closed with explanation
Consumer complaint received 12/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (LA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: RE : Request for Investigation of Unauthorized Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on [ insert date of report ] and I noticed an unauthorized inquiry had been made. 

I contacted XXXX XXXX XXXX who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 

I request that you initiate an investigation into XXXX XXXX XXXX inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. 

If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. 

Thank you for your assistance in this matter,

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 04/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with U.S. BANCORP (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: us bank is the problem i had gone in to be put on my mom 's account as a poa, they did not accept the legit paperwork but the problem is i told the branch office where i had been in the first place NOT to run my credit because i did not need a line of credit all i wanted was to be the poa for my mom, XXXX took it upon himself to run the credit report and he did not tell me. i saw it on my credit report for a XXXX line of credit, i closed that account right away i filed complaints with the credit companies explaining i never authorized this and now it has lowered my score and will stay on for several years, i have asked us bank to remove it completely from all credit bureau and they have not cooperated, i called the branch and i called the XXXX number on the credit report and nobody has responded back to me. 
us bank can not do that because i never authorized that. now they took it upon themselves not to put me as poa on my mom 's account and did this line of credit that i did not authorize and did it behind my back, i told XXXX DO NOT RUN MY CREDIT, i had no interest in a line of credit, they are not coorperating with taking this off my credit reports, us bank should be completely off my report

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 09/29/2016 about Mortgage (FHA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (NM).
Issue: Loan modification,collection,foreclosure

Complaint: We am trying to modify our mortgage that got sold to Carrington, they lost the paperwork, i have proof I sent the paychecks and the other information they said they needed to update. They told me I have to start again and they told me they will send the paperwork. I have not received it, I called twice.

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2017 about Debt collection (Medical) with TENET HEALTHCARE CORPORATION (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: On XX/XX/2015 I received a letter from a debt collector ( Central Financial Control ). Upon receiving this letter I sent back a debt verification letter asking them to verify the amount they insisted that I owed. Central Financial Control never responded to my request for deb verification. Just recently the debt that they never verified has shown up on all of XXXX of my credit reports ( XXXX, XXXX, and XXXX ). After calling them to inform they still have not verified the debt, they insist no mistakes have been made and that I simply must pay the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (MD).
Issue: Loan modification,collection,foreclosure

Complaint: Dear Sirs I have been trying for several years to process a short sale. I have spoken to several different representatives from several different mortgage companies. We have been unsuccessful in processing the short sale. We are trying to avoid foreclosure but the customer service representatives are either non-responsive, names change, there is no follow-up, documentation has been sent several times but the mortgage company is unable to locate the documentation. Recently we submitted a viable short sale contract and our realtor was treated very poorly by loss mitigation personnel XXXX XXXX of Ditech, when she followed up and was trying to find out the status of our loan which is what prompted me to submit this claim.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-01-2016 about Debt collection (Medical) with Holloway Credit Solutions (AL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I contacted Holloway Credit Solutions to attempt to resolve any debt owed them for my daughter 's medical bills. I first spoke with the original creditor, XXXX When I contacted Holloway, I spoke with a lady that identified herself as XXXX XXXX. She continued to increase the amount of debt owed. We started at {$1100.00} and at the end of the conversation, she stated I owed over {$4500.00}. Her exact words were " you should take it out of your XXXX if you have XXXX '', in a very threatening manner. She also stated " we 'll keep reporting you to the credit agencies every week unless it 's paid in full ''.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I found out that Equifax was recently struck by a cyberattack that resulted in a security breach of personal information. Upon going to their website and filling in my information, it was mentioned that I could be impacted by this breach. I am extremely worried about the potential for identity theft from this incident.

Company response to consumer: Closed with explanation
Consumer complaint received 07/23/2016 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: This account has been on my credit report since 2009, pass the 7 year period, I have tried to dispute it several times to have it removed but experian wont allow me to dispute.

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 08/19/2016 about Credit card () with CITIBANK, N.A. (PA).
Issue: Customer service / Customer relations

Complaint: Citibank XXXX keeps calling and hanging up even though all my accounts are current with them. I receive several calls a day on my home and work number that are annoying and harassing even if I do not answer them any more. I have confirmed that my account is current and I continue to receive calls.

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 10/20/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (CO).
Issue: Making/receiving payments, sending money

Complaint: I was recently contacted by who I thought was the IRS. Upon answering the phone, I was asked whether I was aware that there is a warrant out for my arrest - so of course I immediately panicked. I was then told that because I owed money to the IRS ( of which they knew the *exact* amount, so I thought it was legitimate ), I would be arrested within 45 minutes if I did not pay at least some of the balance due. Because I lived at my place of work, I panicked that a police car would come and arrest me at my place of business - a terrible thought. These scammers knew ALL of my personal information, including my address and the balance due, so again, I thought it was legitimate. As a result I sent them {$500.00} ( which may seem like a small amount to some, but to me is a huge amount of money ). Immediately afterwards I had a bad feeling, and looked up the phone number ( they told me that if I hung up, they would consider it a noncompliance, and that they would send the police ). I saw that I had been scammed. So I called Chase the minute I realized and asked them not to send the money. I begged, pleaded, and cried, but they would not reverse the charge no matter how much I asked them to. I do n't understand what the point of " fraud protection '' is if when I 'm a victim of fraud I am not assisted. I have called several times to no avail. Surely there is something they can do - the XXXX of Chase, XXXX XXXX, makes {$27.00} XXXX a YEAR! If nothing else, ca n't this meager ( to him ) {$500.00} come from his personal account? 4 days after this happened I was laid off - and now I am in dire straights - and simply can not continue to have an account with a bank if they can not treat their customers well when disaster strikes. Please, if you can do anything to help I would be eternally grateful! Thank you so much for the consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2017 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 information incorrect

Complaint: The billing on this account has changed various amounts of times. The rates have changed. My identity was stolen. The College has not tried to resolve the issue they are just assuming I am completely responsible for the value and it is harshly affecting my reputation and credit score. I am unable to purchase certain items or obtain decent credit due to falsifying reports given by the Company. Per the law the companies are not abiding by the FCRA and verified any of the accounts but have " updated '' them on several occasions.

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 11-07-2017 about Student loan (Federal student loan servicing) with AES/PHEAA (MA).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I submitted an application to revise my payment plan from IDR to PAYE/ REPAYE on XX/XX/XXXX. My IDR payment amount was about {$540.00}. I had NO choice but to allow my account to go into forbearance to permit this.
At the beginning of XX/XX/XXXX when I got updated information, I spoke with a customer service rep which told me I had no choice but to pay a forbearance amount that would NOT count towards my PSLF. If I paid, I would have my new repayment amount for XX/XX/XXXX. The amount wouldnt be direct debit, so Id have to pay manually. I signed in and paid {$540.00} on XX/XX/XXXX. It was due XX/XX/XXXX.
At the end of XX/XX/XXXX around the XXXX or XXXX, I called FedLoan again to ask when I would know my new repayment amount and roughly the amount. They told me about {$470.00} and I should know within 2 weeks.
This morning I received an email for payment. I signed in expecting to see my new repayment amount, but instead I see they are charging me {$970.00}. Panicked, I called to find out if there was some error that they would easily fix.
I was told they couldnt process my new plan in time, so I now have 2 choices : choose forbeance and delay my PSLF by yet another month, or pay {$970.00}. My new repayment plan will probably start in XX/XX/XXXX.
I asked why its done this way each time Ive called. Each time Im told this is the way the federal government chooses to do it. This is extremely discouraging. I opted to change my repayment plan to help improve my situation. If Id known it required essentially delaying my PSLF by 2 months and mountains of stress, I probably wouldnt have done it. This process is disheartening and demoralizing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/17/2017 about Debt collection (Credit card debt) with CAPITAL ONE FINANCIAL CORPORATION (WI).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Capital ones Fraud department closed my accounts due to fraudulent activity and never sent me a letter why the accounts were closed only that they were being closed and could not disclose why. The charges on these accounts were disputed and never fully investigated. Capital one has failed to provide documentation that these charges were made by me. Capital one is now trying to obtain judgements against me that I am disputing. Capital one removed  XXXX  of my accounts for this same reason but has failed to remove the other  XXXX . Now I want these judgements stopped and removed from my credit report since capital one is failing to respond to me with proof. They say no activity is found but yet there fraud department closed my accounts. Accounts were closed by credit grantor not by the consumer. I will be taking more legal action if these charges are not amended and the judgements are not stopped. Capital one is also still trying to pursue a judgment against me even though my wages are exempt from garnishment as well. I am considering filing a class action law suit because they will not provide me DETAILED DOCUMENTATION AS TO WHY MY ACCOUNTS WERE CLOSED.

Company response to consumer: Closed with explanation
Consumer complaint received 11/27/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with Alliance Data Card Services (FL).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX at XXXX as a result of our yearly audit and find that ultimately we paid {$91.00} in late fees for account statements that were never sent to us until the Bank wanted to collect {$99.00}. I reported this to the Bank at the above Number on XXXX/XXXX/XXXX. They claim they did send the bills and claim that they have the tracking numbers from the XXXX XXXX XXXX. I checked my account on line on XXXX/XXXX/XXXX and there are no statements in their system that they claim were sent to me. I asked them to send me the tracking numbers and they refused. I demanded a refund of the late fees due to improper billing. They refused. I demanded that my account be immediately closed. All in all I charged a total of {$14.00} and then had a credit of {$5.00} for a grand total of {$8.00} as of XXXX/XXXX/XXXX. 
I work for the Federal Government and we are never late paying bills. The blogs on line about XXXX XXXX XXXX are terrible. They are selling credit cards through XXXX XXXX XXXX XXXX and are getting away with Fraud through their own internal negligence. Many others are having similar problems with them.

Company response to consumer: Closed with explanation