milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-06-2017 about Student loan (Federal student loan servicing) with NELNET, INC. (WA).
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: I have two Federal student loans currently being serviced by Nelnet with a combined balance of approximately {$120000.00}. The balance on these loans is higher than it should be for the reasons discussed below and I have so far been unable to resolve the issue with Nelnet directly. In 2014, I sent a recertification form to Nelnet by fax to renew my Income Based Repayment Plan ( IBR ), which is required to be renewed each year. A few weeks after sending it however, I received a monthly statement showing that my student loans had been switched to a Standard Repayment Plan instead. When I called Nelnet to ask why this had occurred I was told that they had not received the recertification paperwork and that I would need to resubmit it in order to get back on the original IBR plan. I did resubmit the paperwork and it was eventually approved. However, on XXXX XXXX, 2014, Nelnet incorrectly capitalized {$4500.00} of accrued interest as a penalty. This penalty should never have been levied since I fulfilled the requirement to send the recertification forms on time and I received a confirmation by fax that the documents had been successfully received. Nelnets employees either misplaced the forms or failed to record them properly in the companys computer system. Even so, Nelnet has yet to reverse the {$4500.00} interest capitalization. Even more egregious, the telephone assistant at Nelnet who discussed this issue with me at the time recommended that I apply for a Forbearance so that I would not have to make a monthly payment until my resubmitted IBR recertification had been approved. What she failed to explain to me is that by requesting a Forbearance, all of the remaining accrued interest on my outstanding student loans would be capitalized, resulting in the loan balance increasing by {$12000.00} and interest expense increasing by nearly {$900.00} per year. Had I been informed properly I could simply have made one monthly payment to avoid this additional {$12000.00} in capitalized interest. However, I was not given this information. Instead I was given the bad advice to proceed with a Forbearance even though this course of action was clearly not in my financial interest. The representative who instructed me to do this obviously did not understand the consequences of filing a Forbearance and should not have been placed in a position to advise borrowers. Over the life of the loan, this will cost me approximately{$17000.00} in additional interest and is the direct result of poor training given by Nelnet to their customer service employees. Nelnet has so far refused to take responsibility and reverse the capitalization.

Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2017 about Debt collection (Credit card debt) with CAVALRY INVESTMENTS, LLC (AL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I have written this company twice asking for debt and they have not shown me anything verifying that I owe them. They sent me an invoice with a totally different company name saying that this was proof. The invoice that they provided is not accurate because I have never had an account with   XXXX   XXXX   XXXX   but they are trying to collect for   XXXX   XXXX  . The account is well over 10 years old and they are still trying to collect on it. Cavalry Portfolio just purchased this account from another collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2015 about Consumer Loan (Installment loan) with SYNCHRONY FINANCIAL (IL).
Issue: Taking out the loan or lease

Complaint: I have just been notified that my Care Credit card ( Synchrony Bank ) has deferred interest of 26 %. I have been paying over my minimum for the last year and a half and to my dismay my " promotional purchase '' expires next week and i will be slapped with an additional {$600.00} in interest and the following month another {$300.00} for interest alone. I am completely confused by this and tried to transfer the balance to a lower apr credit card, but Care Credit denies such transfer. This is unethical. Please help!

Company response to consumer: Closed with monetary relief
Consumer complaint received 02-02-2017 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Midland Credit Management Inc sent me a letter in the mail. They said that I owed money and I asked them for verification of debt. He said absolutely not. I need to contact the police and make a police report if I think that this is not my debt and then I have to mail in that I would like verification of debt and refused to give me any information. I do not think that this is my debt, and I believe that this is false because they will not provide me with verification of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2016 about Consumer Loan (Vehicle loan) with Coastal Credit, LLC (CO).
Issue: Problems when you are unable to pay

Complaint: I purchased a car using Coastal Credit LLC. I lost my job and fell a little behind. 43 days to be exact. It was n't even XXXX payments, it was XXXX and a half payments behind when they repossessed the car. It 's been just under a year and I 'm trying to make payments. I have paid {$120.00} a month for the past 3 months in which they are taking. I called them to get a bill mailed to me and they said the payments I 'm making are n't enough and they are taking me to court. They also said I could pay {$120.00} a month for the rest of my life and never pay the debt because it is going straight to interest. So basically, my {$11000.00} loan is going to haunt me forever.

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 Debt collection (Medical debt) with American Collections Enterprise, Inc. (AP).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: American Collection Enterprises Inc. has reported on my credit report that I owe {$240.00}. They state that the original creditor is University of XXXX XXXX XXXX. I contacted University of XXXX  directly and they stated that they have no record of any funds being owed to them by me ( ever ). I have requested ( in writing ) American Collection Enterprises Inc to provide validation of this alleged debt. No response ...

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 05/17/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: TransUnion are liars, XXXX gave me a letter that they sent TransUnion weeks ago and was told to delete this 30 day late payment, They need to be investigated and fined and exposed

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 07-12-2015 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (IL).
Issue: Shopping for a loan or lease

Complaint: Extreme high interest and if I did n't accept the vehicle they were willing to finance they were not allowing me to finance any other vehicle at an affordable price. Now I am stuck with a brand new vehicle I honestly can not afford but desperately needed through a 6 year high interest contract.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/24/2015 about Debt collection (Credit card) with Scott Lowery Law Office, P.C. (OK).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: The XXXX Scott Lowery, P.C. law firm is representing XXXX , XXXX in collecting a debt I do not owe. The name on the account is not my legal name and I believe the account was created from identity theft. A judgment for {$160000.00} was granted against me. This has been a series of long and never ending harassment events over the past 2-3 years. I have pending complaint against XXXX XXXX XXXX with the Oklahoma Bar Association for unethical behavior. Also, I have provided a valid and notarized ID Theft Affidavit to XXXX Scott Lowery, P.C. law firm. I seeking all monies garnished and collected from me to be returned and release the judgment.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (GA).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: This is the third complaint I have filed against Navient. I have found documentation concerning my loan consolidation in XXXX. I am being denied XXXX forgiveness and XXXX Loan forgiveness due to Education services Act of XXXX. On XXXX/XXXX/XXXX I went to XXXX XXXX XXXX XXXX at XXXX ( XXXX XXXX ) XXXX  XXXX XXXX XXXX and was educated on different information placed in my student file. 
There was a hardship clause placed in my student file. I filed bankruptcy in XXXX XXXX. 
According to XXXX XXXX who purchased/repurchased my loans in XXXX/XXXX/XXXX there was no debts charged off. The young lady @ XXXX XXXX Student Loan 's office stated some of my loans were XXXX. I had forgotten but XXXX/XXXX/XXXX I found a note where I had spoken to customer service XXXX stated that XXXX XXXX XXXX XXXX XXXX had paid my student loan number 1 and 2 in the amount of {$25.00} dollars in XXXX XXXX. My balance due was {$24000.00}. Please help me understand that today XXXX my student loan balance is over XXXX dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2015 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Equifax is reporting an account from XXXX XXXX XXXX XXXX which is more than 8 years old since the last delinquincy.

Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have been disputing with equifax credit reporting agency an account that is reporting on my equifax credit report that is completely wrong. I have been disputing this for months now and very fustrating nothing is being corrected. However XXXX and XXXX have corrected the situation and finally fixed it and deleted it off my report. The account is XXXX XXXX XXXX XXXX in the amount of {$860.00}. This is absolutely wrong. I have multiple loans with XXXX XXXX XXXX XXXX that were combined loans and were paid. This {$860.00} if part of the {$6600.00} loan I had with XXXX XXXX XXXX XXXX. It is reporting as delinquet and as a seperate loan. Again this is completely incorrect. I had disputed and requested that this {$860.00} be deleted off my report. XXXX and XXXX  did there investigation on this and the bank responded that the {$860.00} was to be deleted ( which it was ) however equifax is not doing a proper investigation or they would have received the same response and corrected the problem and removed it off my report. I spend countless hours and days trying to resolve this problem as I do not want wrong information that is untrue reporting as it is affecting my credit score and credit worthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (CA).
Issue: Other service problem

Complaint: I have not been able to contact anyone regarding the locking of my account and funds. 


Created complaint on XXXX XXXX, 2018 XXXX PST. Still no reply after 4 days.

Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2016 about Debt collection (Medical) with Capital Accounts, LLC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: the amount is not correct. the original amount balance was {$140.00} my insurance paid I paid out of pocket due to they did cosmetic dental knowing I did not authorized and knowing my insurance would not cover it, this was addressed before I made the appointment. I disputed the bill. We had an agreement of lesser amount, they were to take off {$90.00} off the bill but there balance of {$140.00} minus {$90.00} came up to a balance of {$82.00} the correct balance was {$57.00}, but it was already in collections when we made the agreement. I have it in writing on the agreement. I will pay what was agreed upon the {$57.00} or I wo n't pay none.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-01-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (MD).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: On XXXX XXXX XXXX around XXXX ; I received a phone call at my office stating that she was agent XXXX XXXX with the Federal Bureau of Investigation. I was told the IRS sent her information that my identity had been stolen, and the perpetrator had outstanding taxes owed. An arrest warrant would be issued in my name if the taxes were n't paid immediately. From this point, She told me that she needed to confirm my bank account information to make a withdrawal, she knew my checking and routing numbers, which led me to believe she was indeed with the FBI. I did n't have enough in my checking at the time, so she told me to use credit cards to pay the taxes instead. To make a very long story short, I spent the rest of the day running around buying gift cards in large amounts ( $ XXXX {$3000.00} ), where no one who knew about the scam questioned me and allowed me to make such purchases. 

Finally, the next Day I realized it was an elaborate scam and I immediately called Bank of America to report that I had fallen victim to this scam. I filed fraud disputes for all of the transactions that were solely because of this scam. I then immediately filed a complaint with the Federal Trade Commission, and was told by the FTC that the stores where I made the purchases should 've questioned me on the large dollar gift card purchases, and that this would be looked into. 

After doing some research I came across an article that stated that victims of scams can only be charged {$50.00} if the unauthorized transactions were reported within three business days, the article also mentioned that transactions that were conducted by consumers being misled by scammers would also be recognized as unauthorized, and therefore covered under " Regulation E ''. 

A few days later, I checked my credit card account only to discover that the total amount disputed had, in fact, been charged to my credit card. I realized that the bank had denied my claim. I have consistently been a fiscally responsible person all my life, and banked with Bank of America for several years, only to have this happen to me. I know this will reflect poorly on my excellent credit score, and believe that people should be protected against situations such as this. Bank of America is apparently known for denying claims like this, and I would like my rights honored.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Navient created obstacles to the repayment of my loans by providing bad and misleading information. They also processed some of my payments incorrectly saying I failed to pay back loans when in fact I had. Another problem was they made it impossible to lower my payments. Always giving me a hard time about it.

Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2017 about Credit card () with JPMORGAN CHASE & CO. (WI).
Issue: Closing/Cancelling account

Complaint: I have a Chase card that was opened in my name that I did not apply for. The account was opened on XXXX/XXXX/16 with a {$500.00} limit. I have never received this card nor any correspondence from Chase regarding this card. To my knowledge, this card has never been used. When I called Chase directly I sat on hold for a very lengthy period of time because I did n't know my account number ( I was never issued a card! ) only to be told there was nothing they could do to help me because I did indeed open the card. I asked to speak with a supervisor to explain that my social security number has been misused more times than I can count and the only response that I got from the supervisor was that all I could do was close the account. That is not acceptable to me. I did n't request the card, I did n't open the account, and I want it taken off my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MI).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am a victim of identity theft and have filed a police report about this matter back in XXXX. I have been disputing the fraudulent information for awhile and have been told that my police report was not good enough. I have been spoken to very rudely by customer service representatives as well as when I tried to contact someone at corporate the operated was rude. I have been disputing the fraudulent accounts such as XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, and my personal cu. This all started back in 2012 until current and have been told to keep disputing. Equifax is refusing to remove this information even with the documents that I have sent in.

Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2016 about Credit reporting () with Experian Information Solutions Inc. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX XXXX is being reported as being 30 days late on my Experian report and I believe that is incorrect. The account has been current always, to my knowledge. I have asked for support on the reporting but I have not received it.

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 01-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There are many mistakes appear in my report without my understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2015 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (PA).
Issue: Account opening, closing, or management

Complaint: Wells Fargo closed my checking account without my consent and without notice. I had a XXXX balance for about XXXX months. I went to make a deposit XXXX months and a few days after XXXX balancing the account, and the atm did not work. My account had been closed. I had direct deposits set to this account. I had student loans paid from this account. I emailed and called WF but they refused to reopen the account. They lied to me and claimed to have mailed a letter to my home warning about the imminent account closure. I did not receive any such letter. However, they happily offered to open a new account for me loaded with fees. I will never do business with those XXXX again.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2017 about Credit reporting () with STERLING INFOSYSTEMS INC (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I signed up to drive for the XXXX and they ran a background check through a 3rd party company named Sterling XXXX. I 'm disputing every bit of information they provided on my background check as it is not my information.

Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I submitted a disputed in reference to XXXX. I never applied for a loan with this company and I wanted it removed from my credit report. Trans Union went through their 30 day process and came back with nothing. They stated they included new information on my credit report, the new information was they lowered my credit score because they are a main resourse for XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I did not authorize these inquiries that is showing up on my credit report. These inquiries are fraudulent. 

XXXX : XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX  ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/18/2016 about Mortgage (FHA mortgage) with Seterus, Inc. (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: I took a loan modification made the trial payments after the loan was modified the loan servicer seterus increased the monthly payments from XXXX to XXXX per month causing me to default on the loan. I have health issues as well as unemployment. I am 7 months behind the servicer has placed me into foreclosure and telling me i need to pay a minimum of XXXX to reinstate the loan .Today XXXX XXXX 2016 they told me they made a mistake and my payment should be XXXX a month they told me this after 7 months and forced me into default. they also refused to give me a better modification or loer the principal on the loan.

Company response to consumer: Closed with explanation