milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/25/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (WI).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: On XX/XX/XXXX, we submitted the annual required income verification form, indicating that this was an annual re-certification and we wanted to stay on the same plan we had. We received a notice back saying that they could not pull records from the IRS, so we would need to submit paper copies of prior year tax returns. We mailed in the required forms. 

OnXX/XX/XXXX, we received a bill for the full payment amount ( ~ {$3200.00} ). Apparently in addition to the box indicating we wanted to stay on the same plan, a box was checked on that form saying that we wanted to have the cheapest payment possible. A rude and uninformed customer service representative talked us into changing our plan to pay-as-you-go, instead of the Income Driven Repayment plan we wanted to be on. Our interest then capitalized, adding thousands of dollars to our principal. This rude and uninformed employee told us we could make a {$5.00} minimum payment that would count to move us over to the next repayment plan. 

On XX/XX/XXXX we received a bill for {$5.00} and a letter notifying us of forbearance. This was paid on XX/XX/XXXX 

OnXX/XX/XXXX, we received a bill for the full amount again ( ~ {$3200.00} ). AroundXX/XX/XXXX, a representative from XXXX XXXX advised us to not pay that bill, since it would n't go to collections for 90 days. They estimated that the Processing Department would update and correct everything before that 90 days. 

OnXX/XX/XXXX, we received a bill for ~ {$6400.00} -- the prior amount due plus a new amount. A phone call with employee # XXXX on XX/XX/XXXX revealed that a ) we would not receive credit for payments made on XXXX XXXX, XXXX XXXX, XXXX XXXX, or XXXX XXXX. She also revealed that our new payment would go into effect in XXXX. So had we listened to the previous employee who advised us to " not make that payment, '' we would have surely gone into default had we not made a {$9600.00} payment. She advised us to request an administrative forbearance-we could do this since it was taking so long to process the new payment amount. She also advised requesting an 'override ' so we could make an XXXX payment on the new amount and get credit for it. 

Today, XX/XX/XXXX that request was made and we talked to employee # XXXX. This employee was extraordinarily rude, arrogant, and not helpful. He had no idea what an override was, and refused to explain any aspect of what an administrative appeal was or how it worked. Instead of helping, he insisted on making us feel as though he had no idea what we were doing. 

So we attempted to update income on XXXX XXXX. 5 months later, we still do n't have the correct payment amount, wo n't have the correct bill until XXXX, which is 7 months after the initial request, and now have lost credit for months worth of payments. And there 's still no guarantee we wo n't have to make a {$9600.00} payment to clear this all up and to avoid default.

Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2017 about Student loan (Federal student loan servicing) with AES/PHEAA (GA).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I do not agree with the fee charges of {$370.00} as of to date on my account with FedLoan Services. A third party vendor reached out to me a year ago to acting as Fedloan Services so I could lower my monthly payment. This however was a scam and was not caught till I tried to get my tax information from FedLoan Services. I am dealing with the third party scam, but have asked FedLoan Services if they would wave the interest fee for this request came from the third part. They told me they are not able to do so. This is highly illegal what the third parties are doing to college students in debt and FeLoans is not trying to stop this in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2016 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I have several incorrect addresses on my credit report. Equifax says I have to supply my driver license, utility bill and proof of address. I subscribe to Equifax 's credit monitoring. They know exactly where I live and how long I have lived there. This is just a stalling tactic.

Company response to consumer: Closed with explanation
Consumer complaint received 11/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (FL).
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: Dear Sir/Madam : I have been in the XXXX Credit Fraud. I have had XXXX credit inquiries by XXXX XXXX XXXX for XXXX. XXXX was on XX/XX/XXXX and XXXX was on XX/XX/XXXX. I  called Chase Bank and they notified the Credit Bureaus and I have personally sent in the letters from Chase Bank. They are still on my report. 

Fortunately, I had another attempt but it does not show as my credit is locked. 

I find this so disheartening as I have worked my entire life for a good credit report and I am now constantly having to worry about these attempts. 

XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/27/2017 about Mortgage (FHA mortgage) with LoanCare, LLC (AZ).
Issue: Trouble during payment process

Complaint: I have made multiple attempts to cancel Mortgage Insurance on my loan with LoanCare over the last 8 months. They have been unresponsive and difficult to get in contact with and I have been unable to get the issue resolved. The instructions given by the LoanCare representative have been followed, and all requirements have been met.

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 09/29/2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: The same debt is and has been reporting XXXX on my credit report. The original creditor is XXXX XXXX XXXX XXXX XXXX and the duplicated account is XXXX XXXX XXXX which was opened on XXXX 2014 for the same amount. Please see the attached credit report provided by my mortgage lender. This single debt should not be reporting XXXX and is in violation of the FCRA.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2016 about Prepaid card (Gift or merchant card) with NETSPEND CORPORATION (MS).
Issue: Unauthorized transactions/trans. issues

Complaint: I purchased a card on XXXX/XXXX/15 at XXXX 's XXXX in XXXX, XXXX . I was charged a {$4.00} fee for the card. I called to activate the card shortly after the purchase. I was charged an additional {$4.00} monthly service fee for the card. I was confused as to why I was being assessed {$9.00} for a card that I have not charged anything to for my benefit. This is an egregious charge that has been assessed to me. I requested a refund of my money which will take 10 business days. As a consumer, I do not understand how they can justify 2 charges for the same service.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/17/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (VA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: In XX/XX/XXXX I called Navient to find out why I was receiving a statement and what I could do to lower my payment even though I should not be in payback status right now ( I filed a previous claim with CFPB in XXXX and then disputed Navients false dates of school enrollment and forbearance period and deferment period on XX/XX/XXXX ). As a result of this call the customer service agent said I used all of my time I was upset because I knew I had not used that time and I should not have been in repayment. She apologized and offered to reduce the payment and said it will not be effective in time for the payment due in a few days. She never told me to contact the financial assistance department for options on reducing or setting up arrangements all she said was I was able to lower your payment from almost {$400.00} to {$250.00}. It was not until months later that I learned she placed me in an interest only plan with no payment going to the principal. I did not ask for that, I did not agree to that, and nor would I have agreed to those terms. I work in accounting and finance I understand how interest only payments work! This blanket intentional assigning of clients to payment plans they did not agree to, deferments they did not request, not properly informing clients of other repayment options, and making it difficult to repay is downright wrong and scrupulous. XXXX the Navient XXXX XXXX never returned my call once he saw and confirmed that the dates of enrollment were incorrect on their end in addition to confirming that in XXXX ( after XXXX XXXX created Navient XXXX placed me in a blanket deferment status and should not have done so. He was supposed to be working on finding out if they were going to restore the entire year that was lost after I forwarded from the school my official enrollment dates. I called and called and he never called back and never confirmed that he or his office ever received the official enrollment transaction in order to restore the erroneous lost time. I am completely disgusted with XXXX XXXX and Navient for not taking ownership of the mishandling of these accounts prior to XXXX XXXX creating Navient right on down to Navients current deceitful practices and operations.

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2016 about Credit reporting () with Credit Karma, Inc. (AZ).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I have sent notice to credit reporting agency that there is an error by XXXX communications on my report. 1 ) I cancelled XXXX due to poor service 2 ) XXXX is an internet company that invoices month in advance 3 ) I did not pay the last invoice as I was not getting the internet speed they charged me for, and they bill in advance. 4 ) XXXX sent my account to collections. 6 ) Not only is this on there once, it appears as a collection three times on my credit report. 7 ) I contacted XXXX years ago about this, they did nothing. 8 ) I 've contacted credit reporting agencies, and I have heard nothing back. 9 ) This has affected my credit rating. I do n't feel I owe this amount ( about {$62.00} ). And I feel all XXXX these collections should be removed from my credit report. Can you please help me? Poor credit results in me paying higher prices for insurance and interest rates. How can I get this collections off my report? It was a prepayment and service was horrible.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Received unwanted marketing or advertising

Complaint: I attempted to sign up for initial fraud alert on TransUnion 's website. After entering more of my information than I wanted to, the website informed me I would need to call their number to complete the alert. I then had to call them, giving them access to my phone number, which I did not want them to have.
Before allowing me to submit the alert, they forced me to wait through several minutes of marketing about their identity theft protection product. There is an initial short ad, which I indicated I did not want, and then a much longer ad.

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 10-09-2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: A few months ago I finally took a look at my credit report noticed that I had some negative accounts on there that were not mine. So I immediaitely begin to contact the debt collectors get them to verify this debt they say I owed them and could n't get any real answers. So I then begin to dispute the negative account with the credit bureaus and it was like talking to a brick wall. They would not respond and when they did, they would keep giving me the same answers that they " updated and verified that it belonged to me. This is outrageous and downright criminal in my book how someone can just list things on your credit and ruin your life. I 've tried hard to keep my credit in good standing. Now I have lost job and housing opportunities because of this. I have sent XXXX separate dispute letters to them and its like i 'm just wasting time and money with these people.

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 02/20/2017 about Credit card () with U.S. BANCORP (DC).
Issue: Billing disputes

Complaint: US Bank has charged unauthorized charges back to an account they closed. 
They are not legitimate and continue piling on unathorized charges to a closed account to fraudulently increased the amount owed on this account. 
All i want is a truthful balance so it can be paid off and I can be rid of this terrible Bank but they keep cheating denying due process on disputes that were open before the closure. 
This arbitrary process of charging a closed account and accunumlating fraudulent interest on top of it must stop now.

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 05/27/2016 about Payday loan () with SFS, Inc (IL).
Issue: Charged fees or interest I didn't expect

Complaint: In 2010, I applied for a {$250.00} payday loan through OneClickCash. I was under the impression that I was going to pay no more than {$90.00} for this loan. It 's a lot but I needed the money. The funds were taken out of my paycheck and after I had already paid back {$350.00}, an email stated that on my next payday, they were going to take {$140.00} more. I wrote to OneClickCash at that time and said they already received {$100.00} more than what I borrowed and now they wanted more? They responded that my loan was paying as per agreed but I really do n't recall signing up to pay back triple than what I borrowed. I would have never taken the loan to begin with if I knew that. 
I contacted my bank and told them what was happening and they told me they would take care of it. I believe the bank saw it as a scam and blocked OneClickCash from accessing my account. 
That was 6 years ago. Yesterday, I received a call from XXXX. When I answered the phone, it was a recorded voice saying the call was for me and if I was n't the person to hang up. It said if I was the person to either call back or press 1 to speak to someone. I opted to speak and I was connected with XXXX. She proceeded to tell me that I will be charged with fraud and that my license will be suspended and my wages garnished. She only said that she was representing XXXX XXXX and never told me where this originated. She also said that she had talked to my previous bank and claims that I told the bank that I did not recognize these charges and had them block the vendor. 
I told her that I recall having an account in the past but did not remember who it was with. I said that I had paid the full borrowed amount plus an extra {$100.00} and as far as I was concerned, I do n't owe anyone. She was hard to talk to and I had a hard time getting a word in. It was like she did n't want me to talk. She said that she would mark this as me refusing to pay, would charge me with fraud, would garnish my wages and suspend my license. 
I had a brief conversation with my attorney in which he suggested to call and ask they send proof. When I called, the number was busy most times, but when I did get through, it went straight to voicemail with no announcement of the company name, etc. I left a brief message with the case number they provided ( XXXX ) stating I would like documentation of this and provided my employers address to mail it to. I have not heard anything back.

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 05/15/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NY).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: Enclosed is all the information in reference to my private student loan. I have contacted them multiple times in reference to defeerment or lowering my payments. As per the student loan company they can not do that. I have explained that I have financial hardship and I can not pay what I am paying and can not further my future as I cant even get a place on my own and still struggle to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2015 about Debt collection (Credit card) with DISCOVER BANK (AR).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Credit card company calls me at least XXXX times per day attempting to collect payment. I received a letter stating I had until a specific date to contact them regarding my debt before they turn it over for legal action, and they have still continued to call repeatedly XXXX times per day.

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

Complaint: I recently filled my Yearly Credit Report with Equifax, on XX/XX/XXXX. Then today, XX/XX/XXXX, I found out about the recent sqeuirty breach of their servers. I went to https : //www.equifaxsecurity2017.com/potential-impact/ to see if my info was impacted, It was. So I went to XXXX to place a 90 day account watch on my info, which is to be shared with the other major credit report bureaus, Equifax included. I believe they failed there responsibilities on their end by allowing this security breach, as the are required to collect and monitor my information by law.

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2018 about Debt collection (Medical debt) with RMA Credit Association (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: After noticing the debt on my credit report, I sent a Debt validation letter to XXXX XXXX XXXX. A request was made pursuant to 15 USC 1692g Sec. 809 ( 6 ) of the FDCPA. As stated in the law, XXXX XXXX XXXX did not cease collection activities, in fact, they continued reporting to the credit bureau. To date, I have not received a letter or phone call from the XXXX XXXX XXXX or any attempts by the debt collector to validate the debt they believe I owe. It has been more than several months since they placed the debt on my credit report and More than 1 month since I requested validation.

Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2017 about Debt collection (Medical debt) with Harvard Collections, LLC (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, IL XXXX ( XXXX ) XXXX The Company listed above reported to all 3 credit bureaus a derogatory mark on XXXX XXXX, 2017 about a medical debt that has been in dispute for 4 years. This Company never contacted about this debt either by phone or mail.

Company response to consumer: Closed with explanation
Consumer complaint received 11/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Resurgent Capital Services L.P. (SC).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I just spoke with my realtor and was advised that this item from XXXX XXXX XXXX is still being reported to my credit, even though its been proven that this item isnt mine. Ive provided information over to them several of times, just recently the collection agency that they sold this debt to removed the collection item from my credit because it was proven that this debt isnt mine. The same information I reported to both companies and this item is still being reported. I can not move forward in my home buying process with this item still lingering. I need this company to remove this item otherwise I will be forced to provide this information over to my attorney and I will proceed with filing a lawsuit against them

Company response to consumer: Closed with explanation
Consumer complaint received 06/24/2016 about Student loan (Federal student loan servicing) with Student Assist Plus LLC (IN).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: I paid a company by the name of XXXX ( XXXX XXXX XXXX XXXX ) a lump sum of money to start a loan consolidation for me. I found out last week that none of my loans were not consolidated and never have been and I recently filed a complaint on them. Today I 'm filing a complaint on Student Assist Plus witch is a company that XXXX works closely with. I have been paying Student Assist Plus {$30.00} through automatic debt from my checking acct for the loan consolidation. I found out that none of my loans have never been consolidated through XXXX witch is the company mu loans are through. A young lady from XXXX called me about my loans being late again I told them my loans are consolidated. The young lady tells me it is not in her system that they are. I have heard this before. I recently called Student Assist Plus about the same thing, telling them that XXXX has called saying my loans are not in consolidation. The man from Student Assist Plus told me that XXXX is just trying to scare me into paying my loans through them and ask me to fax the papers XXXX sent me. So I did and never heard anything from them. Well this time around XXXX calls again and says the same thing my loans are up for payment. So I explain to the women my loans are consolidated, she says she does not see that information, I began to get upset and ask why do they call me all the time when I have paid to have my loans consolidated. The lady transferred me to XXXX XXXX XXXX. I spoke with a lady there who looked up all my loan and told me my loans are not in consolidation and never have been. Again I spoke with Student Assist Plus and I ask for them to refund me my money that have been drafting out of my account and also the lump sum of money I had to pay to start the consolidation.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation