milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/14/2017 about Student loan (Federal student loan servicing) with SLM CORPORATION (KS).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I took out a total of {$22000.00} from Sallie Mae between XX/XX/XXXX and XX/XX/XXXX. I began paying this back this year, XX/XX/XXXX. Due to a XXXX leave, I had to return and finish XXXX this fall, meaning I did n't get a grace period. That is not the issue, however. According to XXXX, they picked up my loan and I am supposed to be paying them. Sallie Mae is telling me that I still need to pay them. My {$22000.00} has now turned into {$44000.00} among XXXX different companies. Instead of paying the agreed upon $ XXXX/month, I am now sitting at owing $ XXXX/month right now. I have made countless calls but I just get told that the other company is wrong. 
I was told by the Department of Education to report XXXX because they wo n't provide me any proof of signing my debt over to them. I asked for the promissory note because my mom and I never did anything regarding XXXX, but they told me that they could n't give me my promissory note and I had to call the Dept. of Ed and get it from them. When I called the Dept. of Ed they told me that was incorrect and a violation on XXXX 's part. 
I went to the bank today and assured that I only ever received {$22000.00} through loans. They verified that and told me I need to get proof from both of these companies. Neither company will give me any proof and they keep giving me the run-around. I can not live paying {$850.00} a month right now for student loans -- I have my rent and car payments on top of that, and it is impossible for me to bring in that kind of money when I graduated XX/XX/XXXX. 
The bottom line is that my loan amount was doubled from {$22000.00} to {$44000.00}, and both companies are telling me that I need to pay them. I went to a XXXX College for two years and payed out of pocket for that- I then took three years at XXXX , including a XXXX semester that I received a XXXX. The fact that I received {$44000.00} dollars worth of loans is simply impossible and I need to get this figured out as soon as possible. I have spent over ten hours on the phone during the last two days and have gotten no where. 
Please help me, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2017 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I am disputing the underlying facts of an entry. They are reporting a XXXX XXXX account that my ex-wife opened without my knowledge but it still appearing on my report since XX/XX/2012. This has been disputed with Transunion and been removed, but Equifax refuses to understand that this account was her responsibility. I provided the details and the divorce decree but they still will only reply with " we verified this account belongs to you ''. I have a credit score in the XXXX range and pay everything on time. I would not make a late payment for a {$200.00} account. This is not right and needs to be removed. I have disputed with Equifax at least three times with a refusal to investigate further.

Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2017 about Credit card or prepaid card (Government benefit card) with Comerica (TX).
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint: My Social Security card was activated and charges were put on the card before I could cancel the card by XXXX am on the second Wednesday of XXXX my check was gone except a few dollars. 
The charges were made at XXXX XXXX the store stated debit XXXX would have to contact them are the police department no one ever checked from the XXXX XXXX ever checked are followed up. They have said they would contact me I never receive the letters but they never send out letters and they have not put the money back. They have never contacted the store for videos. Then the last time I called they stated the claim was closed. I am going to call everyone because they did not try to investigate the theft of my Social Security Check from debit XXXX. XXXX XXXX, SS XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: TRANSUNION HAS VERIED INACCURATE AND INCOMPLETE INFORMATION MANY TIMES. 
XXXX DEFRAUDS ME.THE XXXX BALANCE VIOLATES THE XX/XX/XXXX CREDIT CARD ACT FOR DELINQUENT OR DEFAULTED ACCOUNTS. 
THEY HAVE NO BALANCE HISTORY FOR XX/XX/XXXX TO HIDE THIS FROM SIGHT. 
THEY DO NOT REPORT THE SCHEDULED PYMT OR MIN. PYMT PAID ON XXXX/XXXX/XXXX BECAUSE THE ACT used it as an index for fees and charges.With a balance history from XX/XX/XXXX to XX/XX/XXXX showing the increase in balance from less than XXXX to XXXX their crime would be discernable. 
INNACURATE BALANCE, CHARGEOFF AMOUNT, HIGH BAL.ORIG. CHARGEOFF, PAST DUE INCOMPLETE : NO SCHEDULED MIN. PYMT NO, ACTUAL MIN. PYMT, BALANCE HISTORY MISSING ALL OF XX/XX/XXXX, PAYMENT HISTORY MISSING XX/XX/XXXX YEAR, NO CHARGEOFF DATE, NO BALANCE ON XXXX/XXXX/XXXX AND ON GOING TILL C/O

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 07-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TN).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I learned my drivers license was stolen. The spelling of my name have been changed in probate court. It is now XXXX XXXX XXXX-driver license number is ( XXXX ). The names I 've used in the past are XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. My XXXX XXXX XXXX account number at XXXX XXXX XXXX was XXXX. I purchased the property on XX/XX/XXXX. XXXX XXXX annexed in XX/XX/XXXX. I do n't know why the bill do n't show the account number when I purchased the home. Unless I have a victim all those years. I know the XXXX Family have always stole utilities. From XX/XX/XXXX-XX/XX/XXXX when I filed bankruptcy. My last employer was XXXX XXXX XXXX XXXX -from XX/XX/XXXX-XX/XX/XXXX the company EIN number is XXXX. Prior to XXXX XXXX I was employed with sisters restaurant. Their EIN number is XXXX. XXXX 's XXXX EIN number is XXXX. I was employed with XXXX XXXX in XX/XX/XXXX. The case numbers I 've had in wage earner court are XXXX XXXX & XXXX My history have been deleted from the courts by XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. My past addresses are XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN , XXXX XXXX XXXX XXXX TN . XXXX XXXX XXXX XXXX XXXX TN XXXX XXXX XXXX Tn XXXX XXXX XXXX  XXXX TN XXXX. My mother social security number is XXXX she XXXX XXXX XX/XX/XXXX. Her name is XXXX XXXX XXXX. My father social security number is XXXX he XXXX XXXX on XX/XX/XXXX-his name is XXXX XXXX At. His social security appears to still be active. Sisters, brothers, their children grandchildren, XXXX XXXX and all are using the XXXX social security number. A fraud alert was placed on my credit report by Attorney XXXX XXXX without my knowledge for seven years.

Company response to consumer: Closed with explanation
Consumer complaint received 03-09-2017 about Credit reporting () with Experian Information Solutions Inc. (KS).
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint: I placed a credit freeze on my credit bureau. When I did it, they should have given me a pin number to unfreeze the account when needed. They did not do so. I have attempted to obtain the number from Experian, but they have failed to give it to me. I have included a screen print for your records showing that no pin number was given.

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 10-04-2016 about Mortgage (FHA mortgage) with Pacific Union Financial, LLC (FL).
Issue: Settlement process and costs

Complaint: I was contacted by my current mortgage company to offer me a refinance of my loan on XX/XX/2016. The new interest rate was going to save me over {$70000.00} the term of the loan. So, I agreed I was sent the proposal the same day. We sign the electronic docs and sent over the additional info the following business day. XX/XX/XXXX I was asked to sign an additional doc which we did. Meanwhile I keep asking about my current mortgage payment. I stressed that I was concerned I did n't want to be late on my payment because I take my credit seriously. I was told several times do n't worry about it, that I would need that money to use for my closing on my refinance. On XX/XX/XXXX I received an email from the loan processor that my loan had been approved. On XX/XX/XXXX I received the electronic discloses and contract. I signed and returned on XX/XX/XXXX. I was then told that I could sign the documents with a notary on XX/XX/XXXX. I was told that the notary would contact me, which I had to call the loan processor several times that Monday and Tuesday stating that the notary had not contacted me so finally Weds. the day of the signing the notary contacted me and confirmed are appt. at XXXX. I waited until XXXX when she finally showed up to me home. I signed the paperwork and was told my paperwork was going out the next day. So I call on Friday day of funding was told buy the processor that my loan was going to fund at XXXX California time. Processor gave me my exact pay off to the penny. So, I said good please email me when its finished she said fine. Then I receive a call from the loan officer at XXXX eastern time stating my loan did n't fund due to the notary from the title company did n't send my paperwork in time. I was upset and asked why I was told that it was funding that day at XXXX. I was told I needed to make my old mortgage payment so it would n't hit my credit. I expressed that I did n't have an additional {$1700.00} due to I had already gave them {$1500.00} two days prior. I could n't stop payment on a cashier check and my bank was closed. It was now XXXX eastern time when I spoke to the manager of the loan processing department he stated Monday he would resolve this matter and funding would happen. I followed up today and was told that not only did my loan not fund, but was n't and I could n't get the offer until possible 6 months. XXXX top if off now this reported that Im 30 days delinquent on my credit. I expressed that I did everything I was told to due. So now Im penalized for someone dropping the ball. I do n't understand how an internal adjustment could n't have been done since I was refinancing through the same lender. Basically, I got the response of Im sorry. That is not right. How can the borrow suffer from the company errors and the title company that they use.

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 monetary relief
Consumer complaint received 09/16/2017 about Debt collection (I do not know) with CAVALRY INVESTMENTS, LLC (FL).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint: On XXXX Calvary llc or a representative showed up to my mother 's residence and disclosed personal information. I am XXXX and she is not a part of my finances in any shape or form. Relayed to her that they are trying to serve me a civil action on behalf of XXXX. This is my so called business and none of hers.

Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with U.S. BANCORP (NY).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint: I received, unsolicited an " upgrade '' to my credit card account issued by Elan   ( Visa card ).
Sticker on the front of the card said it can not be used without first being activated by   calling  XXXX . I called. This is not a card activation, but an automated promotional number offering a seemingly endless series of promotions. "  Press one  to accept, press pound to decline. '' After pressing pound, a different offer is given. After pressing pound again, another offer, and so on. Offers were for  XXXX ,  XXXX   XXXX  and other similar companies. I tolerated this for about four minutes and then dialed the " 24-hour cardmember service '' number of  XXXX . After navigating the menu I reached a rep who activated the card. I complained about my experience and she said she would " pass it along. '' After the call I tried participating in an automated survey that was offered, but each time I pressed " very dissatisfied, '' the response was " the data is incorrect '' or some similar statement.

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 06/21/2017 about Debt collection (I do not know) with SQUARETWO FINANCIAL CORPORATION (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I did a title search for the home me and my husband own, my husband passed away in 2016. There is a lien on my home that belongs to my son. My son is a XXXX so he and my husband have the same name. The debt is for medical bills that were my sons in no way am I or my husband responsible for this debt. The lien was filed in XXXX County Volume 1329 page 686. I have contacted CACH and they told me they can do nothing. I contacted the attorney that is handling this XXXX XXXX XXXX XXXX XXXX  XXXX, WI XXXX spoke with a XXXX who told me I would have to do an affidavit and my son would as well etc. My son is a XXXX XXXX and I do not know when I will see him I might not see him before I close on my home - and why should we do anything when they put the lien on in error they need to fix it. I do not want to get to closing and have problems or for this to delay my closing. This is not my debt, it is not my husbands debt and it needs to be removed at once!

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 10/26/2017 about Student loan (Federal student loan servicing) with NELNET, INC. (FL).
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: Over the years I had noticed a few times it seemed money was added to my student loan balance in addition to the interest, so I started keeping my own records. I noticed a balance added with no reason when I logged in on XXXX XXXX XXXX. The week prior, XXXX XXXX XXXX my balance was {$24000.00} and I made a payment of {$300.00} ( Which would lower it to about {$24000.00} ). The week after a balance was mysteriously added to my account. On XXXX XXXX the balance rose to XXXX.I track the interest accumulation carefully and this one did n't add up. 

I made multiple attempts of getting an answer from customer service and trying several reps, in which they denied it ever happened. They told me my records were not correct, not only on that day, but they actually changed the balance amounts historically to reflect a higher amount on specific dates. I finally reached a manager after multiple attempts for and answer and hours on the phone. The explanation after extensive digging ( and denying it ) was that " they added back uncapped interest from XX/XX/XXXX'' and that it was an error in the system which effected a group of accounts, so they added it back in XXXX. I sent in a certified letter requesting the explanation in writing on XXXX XXXX, but they refused to provide it. They would only call an offer to explain on the phone. The real thing to consider is ; how many other times have they done this and not been caught? This could have happened multiple times and who knows how many students. Adding money 3 years after the apparent system error did not sound believable to me and it took a long time before getting an answer.When I graduated I owed roughly {$24000.00}, over years of being underpaid from corporate greed the balance grew to {$31000.00}. Finally with a better income I was able to pay it back down to the original amount. How many other times they discretely added money in there we may never know.

Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CT).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I am currently a student and have XXXX XXXX student loans. I made a year-end payment of {$1300.00} to pay off all of my interest that had accrued over the year. The entire amount was transferred from my bank account to my my loan servicer, Navient. Navient applied {$1200.00} to my first loan but somehow managed to lose the remaining {$170.00} that was supposed to go to my second loan.

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (GA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: I have asked for validation and verification on several occasions and these individuals have not been able to validate and verify pursuant to 15USC1692g, and 15USC1681. This DEBT COLLECTOR MIDLAND CREDIT MANAGEMENT, INC., or any of their constituents have not been able to give me anything that substantiates information I have asked for. So this DEBT has sufficiently been disputed. 
This DEBT COLLECTOR MIDLAND, CREDIT MANAGEMENT, INC., has sent dunning letters saying I owe them money because they bought this from some other individual. These individuals have put entries into my personal credit reports and they have been successfully disputed but they still show up as my account. I did not give them my private non-public information so I do not appreciate this being sold to this CORPORATION according to the FDCPA accounts ca n't be sold. This is IDENTITY THEFT PURSUANT TO 16CFR603.2. They do not have the authority to go into my credit report and put in anything that is why they must stop this non-sense. I have asked these DEBT COLLECTORS to CEASE AND DESIST contacting me but they continue to do so. 
They have harmed my consumer purchasing power which is the natural person pursuant to the ( FDCPA ) Fair Debt Collection Practices Act 15USC1692c, d, e, f, g, and j respectively. I am not in COMMERCE where the Person is buying from one CORPORATION TO ANOTHER for a CORPORATION. 
I have contacted this DEBT COLLECTOR on several occasions and they continue to contact me with their blatant attacks on my character, and i am feeling ashamed, embarrassed and I do not sleep much because of my Credit Report being torn apart just because I want to secure things for my personal, family or household use.. I did not give my permission for this DEBT COLLECTOR MIDLAND CREDIT MANAGEMENT, INC. to contact me pursuant to 15USC1692c. I never asked this DEBT COLLECTOR to open up any account in my name with my Social Security Number or any of that. This Debt Collector needs to Cease and Desist Collecting on something that I do not owe them. 
This Debt Collector continues to try to get me to contract with them. I did not agree to have my information shared with this DEBT COLLECTOR MIDLAND CREDIT MANAGEMENT, INC., this is aiding and abetting with another to commit fraud on the Consumer who is a natural person.

Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2017 about Mortgage (Conventional adjustable mortgage (ARM)) with FCI Lender Services Inc. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Lender and servicer are in violations of the CA HBOR. They acknowledged that they received a complete modification package from us. After a day, they decided to deny us for the loan modification. They never fully reviewed the loan mod package and never suggested and discussed with us the alternative options to prevent foreclosure. They made clear their decision to deny us for the loan mod is final and subject to no further appeal. They never stopped the foreclosure sale date while we are seeking for the approval of the loan modification option. 

Thank you.

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 11-09-2017 about Student loan (Federal student loan servicing) with GREAT LAKES (PA).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: In XXXX I consolidated my Federal student loans because I was hired into the XXXX XXXX XXXX and they provide a XXXX XXXX loan forgiveness program. I expressly consolidated so that I could have the loan forgiven in 10 years and said as much to the service when consolidating. They did not inform me that for the loan to be forgiven you have to be in an income based repayment plan and they instead set me up with a minimum payment plan so that I would only get a payment credit every 2 or 3 payment instead of every month. I 've given up on the XXXX XXXX loan forgiveness program after 7 years of federal service as it would n't be worth increasing my payments and for the next 6-8 years it would take to get the 120 credits it requires to be forgiven.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2016 about Student loan (Federal student loan servicing) with GREAT LAKES (ME).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: Why are the interest rates so high to get an education in the US. I can not afford my base payment even though I make a good wage. The loans do not take into consideration life and the cost of taxes on your income. I am going to need to get a second job just to find a way to pay these. I appreciate the education. I should not even have my loans from 20 years ago because I went through the program through unemployment. but they never paid. XXXX me

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