milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/27/2017 about Student loan (Federal student loan servicing) with ACS Education Services (GA).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I received a Perkins loan through XXXX XXXX College several years ago. I am still a XXXX XXXX XXXX and the loan should be in deferment. <P/>XXXX XXXX College forwarded the loan to ACS campus products and services in order to service the loan and I am now receiving letters that my loan is in repayment and past due. <P/>I have tried contacting ACS customer service SEVERAL times via telephone and they do not respond to any calls. I am left waiting for a representative while background music plays and states " thank you for calling, your call is very important to us. Please stay on the line and your call will be answered in the order it was received. '' After 15 minutes the line goes dead and the phone call is ended. This is consistently. Over 10 phone calls. <P/>I have also tried contacting XXXX XXXX College financial aid. Apparently, XXXX XXXX has outsourced their financial aid phone calls to an answering service. I have called 4 times and have spoken to 4 different individuals who do not know anything in regards to handling this. Two representatives have even told me to contact XXXX XXXX financial aid ... which is exactly how I got to them in the first place as all XXXX XXXX financial aid calls are handled through them. I asked to be transferred to a supervisor - which they said they could not do. I asked to be transferred to someone in the actual financial aid office at XXXX XXXX college and they said they do not have the ability. I asked to speak to the dean of financial aid and they do not have that information. <P/>I called XXXX XXXX college 's general information number and spoke to an operator who stated they only had the same phone number as I did in regards to financial aid and confirmed that the calls were being outsourced. I asked to be transferred to the dean of financial aid and they were not able to do that either. <P/>I am basically unable to get information on my loan and unable to provide information to process a deferment. <P/>I find it to be in extremely bad taste that XXXX XXXX college has chosen to outsource such a critical department to a third party in which sensitive information is held, given, and provided and that they do not have a way to handle students concerns such as mine with direct assistance from somebody at the XXXX XXXX financial aid office. <P/>I also find it to be extremely concerning that a loan servicer, such as ACS campus products and services, who is supposed to assist and facilitate student requests on information about their loan has such an insufficient customer service system to the point that it is neglectful and could lead to major financial issues for those who have loans serviced by them by inappropriately reporting late payments and defaults onto credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Upon reviewing my credit report, I noticed an inquiry made on  XXXX   XXXX ,  2016  under the name of  XXXX   XXXX   XXXX   XXXX .     I immediately made contact with Equifax to dispute and have this corrected. I 've been trying to have them remove this inquiry for the last couple months and each time they claim that this inquiry is correct.     I made contact with   XXXX   and informed them of the situation. They immediately apologized and informed me they would mail me a letter in regards to the inquiry with all the information needed to remove this inquiry. Once I recieved this letter, I was to fill out the bottom portion of the form and mail it over to Equifax. I mailed the letter to Equifax and have not received a reply and it has been over 30 days. I have included a copy of this letter to have this inquiry removed ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2018 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: On XX/XX/XXXX a inquiry was made by my ex wife and i had no knowledge or did i give consent until i gained control of my XXXX XXXX account

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 09-02-2017 about Student loan (Private student loan) with ECMC Group, Inc. (VA).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: i have tried for about 2 years to repay my student loan i was offered a plan to get my loan out of default was paying about XXXX dollars a month around XXXX. the customer service person i spoke with explained that once my loan comes out of default the payments would be around the same amount each month. That was not true i was lied to and i still do not know what to do about my student loan i want to pay my student loan. the company is ECMC. AGAIN I WANT TO PAY STUDENT LOAN BUT AS A CONSUMER I AM CONSTANTLY GETTING THE RUNAROUND IN THE MEANTIME INTEREST IS STEADY BEING ADDED TO MY ACCOUNT THIS SHOULD BE AGAINST THE LAW THAT COMPANIES ARE DOING THIS TO CONSUMERS.

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 10/16/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: While checking my personal credit report, I discovered an Unauthorized and Fraudulent credit inquiry made without my KNOWLEDGE or CONSENT by XXXX on or about XXXX/XXXX/2015 on TRANSUNION credit file. I did not authorized or give permission to anyone employed by this company to make any inquiry and view my credit report. XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I am requesting that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus and have them remove the unauthorized and fraudulent hard inquiry immediately.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2017 about Checking or savings account (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint: I am writing to dispute an account fraudulently opened in my name. I am a victim of identity theft and did not open this account .I am not responsible for any charges made to this account. 
Please close this account immediately. I would like to request copies of any documentation, such as applications and transaction records, showing the activity on this fraudulent account that provide proof I opened this account beyond a doubt like drivers license, passport, social security card.

Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2017 about Debt collection (Medical debt) with John C. Heath, Attorney at Law, PLLC (MI).
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint: This evening, XX/XX/XXXX, my son received a message on his phone for my XXXX son stating that my XXXX son was being summoned to court, and he needed to call the number that was given. I called the number back myself because I represent my son whenever possible because he is XXXX unable to represent himself in most cases. The person answering the phone said his name was XXXX and he represented XXXX XXXX. He told me that my son was being summoned to court for a debt from XXXX XXXX XXXX in XXXX for a bill in XXXX. I tried to explain to him that my son is XXXX and that he was covered under XXXX and XXXX for the time in question. He argued with me and said I was wrong. I told him we had been at XXXX XXXX for many XXXX, XXXX or more and that I know there was a mistake because there are no other bills. He continued to be rude saying I would be made a fool of in court, and told me that I must be the reason my son is XXXX. I hung up the phone at that point but told him I would be reporting him.

Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2018 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (OH).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: My account was closed apparently on 1XX/XX/XXXX. I want to know EXACTLY why it was closed. And if possible Re-OPEN the account! And payout the Bonus that I have completed terms for. 

I have been working toward earning my {$200.00} opening Checking Account bonus and have completed the requirements thus far and was expecting it to be payed by XX/XX/XXXX but you have now closed my account just before the pay day!

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 09-05-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with SYNCHRONY FINANCIAL (CA).
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint: I was offered a Care Credit card while trying to pay for my dog 's emergency XXXX XXXX on XX/XX/XXXX. The total amount was {$6900.00}. I was told by the vet that the card would have 0 % interest for the first year, then interest kicking in after that. I was not informed that once the promotion ended ( ending XX/XX/XXXX ), I would retroactively be charged the the full amount of interest on the principle at a ludicrous rate of 26.99 %. Because I am eco conscious, I signed up for e-billing. I never once received an email from them regarding my promo period ending and what would actually happen. Additionally, they claim that every time I visited the site, I would be informed that my promo period would be coming to an end soon. This is incorrect. 

When I attempted to resolve this ( XXXX/XXXX/XXXX ) I was rebuffed and told that there was nothing they could do to reduce the payment. After paying {$220.00} a month for the last year ( total of {$2600.00} ), my current bill is {$6500.00}, which means that I have in essence paid off {$400.00} of my bill at the cost of {$2600.00}. This would seemly qualify as usury - this company preys on people who are trying to save their pets lives, and the vets issuing these cards do not explain what actually happens when the promotional period ends, they just ask you to sign the contract immediately, while your animal 's life hangs in the balance. I even offered to pay off the entire principle today with a reduced interest rate and they claimed that they could not help me. These are predatory loans, offered to people under emotional duress, without full disclosure.

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 04-03-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with MARINER FINANCE, LLC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I am requesting the removal of this debt collection. I have never done business with this company. I take my credit very serious. I have asked for information to be proved for me for account. I have n't receive anything. I do n't think it fair they will rather report inaccurate information and not verify the information.

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 09/30/2017 about Debt collection (I do not know) with SUNRISE CREDIT SERVICES, INC (AL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: The company has contacted me multiple times about this debt, and every time I request more information, they say they will mail me a letter. After a few months of this, they finally mailed me a letter but it contains no information about the debt other than the amount. It says the debt is to XXXX but I currently have a XXXX account and do n't show a balance due on the bill. Additionally, the company never said that I could dispute the debt or gave me information on how to verify the debt. In conclusion, this debt is not mine, and the company failed to provide further information or ways to dispute the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2018 about Debt collection (Medical debt) with Experian Information Solutions Inc. (MI).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: On XX/XX/2018, I've sent the dispute letter to Experian. 
Even though I explained this alleged debt, there was no change. 
Experian must delete this alleged debt with my evidenced documents as XXXX XXXX did. 
However, they just added one word, " Updated ''. 

For a brief explanation, The credit report issued by Experian contains incorrect & missing information on this alleged debt. 

1. At First, as you can see the attached document, the race of patient is written as XXXX. Im an 100 % XXXX person, not XXXX at all. This incorrect information makes this debt not trustful and unreliable. No one will believe this debt belongs to me. 
My parents both are XXXX  as well, even my grandparents too. 
XXXX and XXXX have so much difference in looking such as skin color, eye color, hair color, and etc. 
Assuming Id be related to this debt and be a real patient, it should have shown XXXX, not XXXX. 
Indentifying race between XXXX and XXXX is not a big problem. 
For your information, Ive attached the proof document that my race is regarded as XXXX. 

2. Additionally, there is no critical information in the document they provided. 
There is no SSN or any critical information. 
The FDCPA states they must cease collection activity until they have produced verification of the alleged debt if so requested. 
As per the FCRA, if no proof of debt exists, it may not be reported to the credit reporting bureaus. 

As shown above, I've requested Experian to delete the alleged collection debt. 
Along with the same documents I sent to Experian, XXXX XXXX has removed this debt on their credit report. This is not mine and I don't owe any debt to them. 

As a result of this dispute, they put just one word " Updated '' on the credit report. 

After getting the update, I tried to check what content or information was changed in my credit report. 
However, there was nothing. " Nothing '' was updated or changed at all. 
I have 2 credit reports by Experian. One is before sending a dispute. 
Another is the final version of credit report Experian just sent me after the end of dispute with it. 
There is no difference between 2 credit reports at all. 
I'm 100 % sure they didn't work at all with my dispute.

They just put the word " Updated '', and nothing was changed. 
I've tried to dispute this result. However, I was denied by them on their website. 

I've attached those 2 different credit report for a comparison and other proofs. 
Please request Experian to properly work as the law requires. 
Thank you so much for your work.

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 03/14/2017 about Mortgage (VA mortgage) with UNITED SERVICES AUTOMOBILE ASSOCIATION (SC).
Issue: Loan servicing, payments, escrow account

Complaint: I purchased a property using a VA Loan on XX/XX/XXXX through USAA. My closing attorney paid the XX/XX/XXXX property tax ( {$1400.00} ) on XX/XX/XXXX. The Mortgage company paid the property taxes again on XX/XX/XXXX with funds from my Escrow account. The Mortgage company acknowledged verbally on the phone that they had made a mistake and that once they had received a refund from the County Tax office, they would deposit {$1400.00} back into my Escrow account and reassess my Escrow payments. On XX/XX/XXXX I spoke with a customer service manager, XXXX and he said the funds would be deposited back into my Escrow account no later than XX/XX/XXXX. I have spoken with customer service representatives multiple times in late XX/XX/XXXX and early XX/XX/XXXX asking them to provide an invoice with the transaction code, so I can confirm with my County Tax office that they received USAA 's payment on XX/XX/XXXX and are either holding the funds or have returned them to USAA. The USAA customer service group is claiming that they can not provide the invoice, because it needs to come from their Escrow/tax management group, which they can only send written requests too. They claim they have asked the Escrow/tax group provide this information, but have not received it yet. 
I suspect that USAA is intentionally holding these funds in limbo slush fund to earn money or someone at USAA is embezzling money from Escrow Accounts. 
I want the extra property tax payment of {$1400.00} made on XX/XX/XXXX refunded to my account.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Ray Klein, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: On XXXX/XXXX/15 my husband received XXXX services through XXXX XXXX XXXX XXXX XXXX. On XX/XX/XXXX XXXX XXXX XXXX billed us for the remaining balance after insurance paid their part. We had had prior experience with XXXX XXXX XXXX billing us for amounts that should have been settled through insurance. On XXXX/XXXX/15 I spoke to a person at XXXX XXXX XXXX who said the bill should be sent for adjustment and we should not pay while this was being done. We did not hear from them again. On XXXX/XXXX/15 we received a letter from Professional Credit Services saying the bill had gone to collection. We became concerned about our credit rating and paid the bill to PCS that day. When I called XXXX XXXX XXXX on XX/XX/XXXX they told me they had not sent the bill to PCS or any other debt collector but would look into it. I did not hear back from them. On XX/XX/XXXX we received a bill from a second collection agency, XXXX XXXX, for the same amount. XXXX XXXX XXXX now tell me they did send the bill to XXXX XXXX. It appears that they never did send the original bill for adjustment, nor did they attempt to re-bill us before sending it to collection. PCS tells me they did not buy the debt but had it sent to them by XXXX XXXX XXXX. They also say they paid the full amount to XXXX XXXX XXXX as soon as we paid the bill, on XXXX. XXXX XXXX XXXX claim they do n't have the money. Meanwhile, XXXX XXXX XXXX think they have a right to collect this money. We are very concerned about what having this debt looking like it is outstanding will do to our credit rating. We are also wondering where the money we paid to PCS has gone. I have spent a lot of time on the phone trying to address this, and would very much appreciate your assistance!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2015 about Credit reporting () with Experian Information Solutions Inc. (AL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I received a bill from XXXX XXXX for an account that I do not have with them. I called their fraud department to report this. I am filing a police report about this fraudulent account. My credit report shows that on XXXX/XXXX/15 that XXXX XXXX made a credit inquiry on me in order to open an account. I have contacted all XXXX credit bureaus and placed a fraud alert on my credit report for the next XXXX days.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-03-2017 about Debt collection (I do not know) with GCFS, Inc. (FL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint: Original loan was in XXXX. GCFS, Inc.has continually called my place of employment, family members, non-family, acquaintances stating that I have a warrant. The police are coming right now you better get her on the phone. They called my work, XXXX XXXX XXXX XXXX starting in XXXX and continue to call presently. They called them on several occasions all day telling my employer I was a criminal and the police are coming. I had to prove to my employer I was not with court documents. They continue to call to this day and I do n't work there, I paid off what was agreed with XXXX XXXX in XXXX. On top of all of this illegal action they are trying to sue me again. This judgement was to be released which it was, now I get a letter saying I owe XXXX. I called the court and she said they re-filed. How is this even legal. I have multiple witnesses of this illegal action which almost cost me my employment and continues today.

Company response to consumer: Closed with explanation