milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-08-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (PA).
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: I attended the XXXX XXXX XXXX XXXX XXXX XXXX out of XXXX FL and XXXX IL in the online course from XX/XX/XXXX until XX/XX/XXXX. I started out making very good grades and even Received a XXXX online XXXX XXXX XXXX recognition of outstanding academic achievement. As soon as we entered the " coding '' section of the course I started to have real problems and requested a tutor. I was told there was no tutor 's available for that particular section. My instructor also stated this was the section most people had a very hard time with and people ended up dropping out of the school during this time. I continued to struggle after getting no help and eventually had to drop out before I ran up loans and school bills for something that had absolutely no end or help in sight. So for being there for 10 total months and really did n't do much in XXXX on I ended up getting {$11000.00} in student loan debt. I was on XXXX while I was in enrolled in school. My first payment was XX/XX/XXXX. I questioned how I ran up so much in debt for an online course that I only dropped out of because they refused to try and help me and pretty much just left me behind and fail with no help at all. The school ended up closing and defaulted in many school debts. I have had a monthly payment of around {$89.00} a month but is now going up to {$110.00} a month. And I am scheduled to pay back {$4100.00} in interest and this is putting a financial strain on my household. I do n't think its fair that you could see I was a very good student making good grades and never missing online meetings or scheduled classes to all of a sudden going downhill with no help from a school that ended up closing its doors and not seeming to really care about the issues I and other students were having.

Company response to consumer: Closed with explanation
Consumer complaint received 09-02-2015 about Consumer Loan (Installment loan) with HARLEY DAVIDSON FINANCIAL SERVICES INC. (AR).
Issue: Problems when you are unable to pay

Complaint: I purchased a motorcycle threw Harley Davis, I had a XXXX an was XXXX for XXXX months, this happened 60 days after I purchased I continued to make XXXX more payments, they came got the bike an it had XXXX miles only on it an they sold it to another bike company for XXXX. I paid XXXX. Some how that did n't seem right or just. They billed me for the rest of the money lost in the loan, it 's XXXX yrs old now an I feel they should have to remove it ; my Credit has suffered long enough due to this XXXX. I was hit an was the innocent victim of all this.

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2016 about Credit card () with U.S. BANCORP (TX).
Issue: Advertising and marketing

Complaint: I AM RECEIVING CALLS FROM A COMPANY EVERY DAY TELLING ME THEY ARE CALLING IN REGARDS TO MY CREDIT CARD. NOTHING IS WRONG WITH YOUR CARD AT THE PRESENT TIME BUT WE OFFER A COVRAGE THAT WILL EXPIRE TOMORROW IF NOT TAKEN CARE OF TODAY. PRESS ONE TO TALK TO AN AGENT. I PRESS ONE AND ASK TO BE REMOVED FROM THE CALL LIST BUT I AM NEVER REMOVED. IF THE OFFER IS TO EXPIRE THE NEXT DAY, WHY AM I GETING THESE CALLS FROM THE SAME COMPANY DAY AFTER DAY? THE CALLS FOR THE PAST THREE WEEKS HAVE COME FROM XXXX AND FFIDAY THEY CALLED ME THREE TIMES. TODAY THEY CALLED FROM XXXX AND IT SOUNDED LIKE THE SAME MAN I HAVE BEEN TALKING TO ALL THE TIME. I CONSIDER THESE CALLS AS HARASING AND HAVE MADE EVERY ATTEMPT I CAN TO GET THEM STOPPED BUT THEY KEEP CALLING ME. LATEST CALL WAS XXXX XXXX. today. can you please get them stopped? thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXXXXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2017 about Debt collection (Auto) with Pan Am Collections, Inc. (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: The debt was not paid but there is no actual debt. XXXX and XXXX both removed it from my credit report a few weeks after it was added because they said it was not a valid debt. The vehicle was not financed it did not have any loan it was through a car lot that my uncle worked at a XXXX and the car was a piece of junk and given them back to them. They continue to call me daily and tell me that they do n't care if I do n't feel like I owe and they do n't care if it was removed from my credit report but it is still a debt I owe

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 non-monetary relief
Consumer complaint received 09/30/2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (HI).
Issue: Billing disputes

Complaint: I have a credit card with Bank of America that i have been trying to pay off for years. I have XXXX tiers of balances:1 ) Purcahse@7.24 % interest2 ) Direct Deposit and Check Cash advances@14.99 % interest3 ) Bank Cash Advances@19.24 % interest. 
I made the minimum payment of {$170.00} for XXXX 2015 that was due in XXXX 2015 on XXXX XXXX, 2015. I also made an additional payment of {$1100.00} to clear up my Bank Cash advances balance of {$1100.00} that had the highest interest rate of 19.24 %. The total payment made on XXXX/XXXX/2015 was for {$1300.00}. 

When I received my XXXX statement after making the minimum payment of {$170.00} as well as the additional {$1300.00}, which should have cleared up my " Cash Advance '' balance, the statement reflected a balance of {$320.00} under the Cash Advance tier. 

In addition, the second highest interest rate tier balance, Direct Deposit and Check Cash advances, went from " balance subject to interest rate '' of {$1500.00} in XXXX 2015 to {$1600.00} in XXXX 2015. How can my balance grow if I made the minimum payment AND paid an additional amount. This brings into question all of my past billing statements with Bank of America that I have not reviewed as carefully. I would like a full review of my payment history and balances by the bank for the past 5 years. I do not trust that tehya re billing me accurately and fairly.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2017 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I have a Capitol One XXXX credit card. The card became damaged and kept saying " chip error '' when I would use it so I ordered a replacement card. I never received the new card. Instead, I come to find someone broke into my mailbox, somehow activated my replacement card, and began using it. There were many charges made to my account however, Capitol One is saying I am liable for the charges made " in person with the physical card '' even though I did not make, know of, or authorize the charges. They just charged back my account with {$1000.00} in which are mostly from XXXX XXXX, XXXX and XXXX. I did not make these purchases!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 11-04-2015 about Consumer Loan (Vehicle loan) with HARLEY DAVIDSON FINANCIAL SERVICES INC. (IA).
Issue: Problems when you are unable to pay

Complaint: Once again Harley Davidson is continuing to call me after i made payment arraignments. They have called me twice after XXXX. The first time they called me after XXXX i told them i am working in Maryland apparently they did listen because they called me at XXXX on XX/XX/2015. I told them again that i was working here in Maryland. They called again this morning on XX/XX/2015. I asked them why they are calling me after payment arraignments are made once again i did not get a answer. They are becoming unbearable.

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Phoenix Financial Services LLC (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: THIS ACCOUNT IS NOT MINE IT IS A RESULT FROM MY IDENTITY PREVIOUSLY BEING STOLEN ... I HAVE FILED A POLICE REPORT AS WELL AS ID THEFT AFFIDAVIT AND COMPLAINT FROM THE FTC REGARDING THIS MATTER.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: Transunion needs to unlock my account. I have been trying to access my report on transunion.com and annualcreditreport.com and not successful at all. I have been a victim of identity theft and they refuse to assist me in my requests. They are doing a poor job of customer assistance and helping me with these situations.

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 01-08-2016 about Mortgage (Other mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan servicing, payments, escrow account

Complaint: My husband and I requested a loan modification with our Mortgage Lender ( Bank of America ) in XXXX for XXXX and XXXX loan. In XXXX Bank of America finally approved our Loan Modification request. Recently, I have been getting calls from a XXXX XXXX company stating they our Mortgage Lender to our home. We have been making out payments to Bank of America.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/22/2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (AZ).
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint: I deposited a check into my checking account for {$2800.00} I waited a couple of days to make sure the check funded I we nt to the Chase Br anch at  XXXX   XXXX   XXXX   XXXX  and I asked the teller if the funds cleared for that check.Her response was yes it funded so I withdrew  XXXX  and then I noticed a couple of days later that my checking account was over drawn by the amount of {$2800.00} and I was told the check was returned for insuffeciant funds.So they use what I had in my acoount to cover that. I went to Chase again to discuss the problem and I was informed there is nothing they can do but I asked if the funds cleared and was informed it does n't matter if there was enough money in my account to cover it that is how it works so I have been charged over draft fees on top of that.

Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2016 about Student loan (Non-federal student loan) with URS Holding, LLC (GU).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I secured a bar study loan in XXXX through XXXX aka XXXX, with XXXX as the third party lender. I subsequently had my payments deferred, until I ran out of time, but I went through a period of unemployment and undermeployment so I was unable to pay. First, I was told to pay XXXX XXXX XXXX, and I did begin making payments. Then I was told to pay XXXX XXXX XXXX, but I did not. Finally, I was contacted by XXXX and I made arrangements to pay them and have been paying them since XXXX. 

Last year, I was alerted that negative information was added to my credit report. When I checked, I saw that XXXX XXXX XXXX listed themselves as a collection agency on a debt I owed. I reached out to XXXX and they were able to conduct and investigation and remove the information from my credit report. 

A couple of months later, I received a call from Enterprise Recovery Systems attempting to collect on the same debt. They mailed me proof of the loan documents. I advised them that I did not deny owing XXXX, but that I was already paying another company. Enterprise said they could only help me if I could get a copy of the original loan documents from XXXX. Then, they also reported this debt to the credit bureaus as seriously delinquent, however, XXXX did not remove this from my report. 

When XXXX reached out to XXXX to get documentation on the loan, XXXX was unable to process the request because, they claimed, that XXXX is currently involved in litigation regarding its loan practices. When I reach out to XXXX myself, the telephone numbers were not in service ; I mailed them and received no response. ERS would not provide me with any contact information so that I might try to reach XXXX another way. 

I subsequently emailed Enterprise and attached scanned copies of multiple emails from XXXX XXXX regarding my loan from its origination where XXXX is listed as the third party lender financing this loan, subsequent emails showing who I was supposed to pay, and payments made. I received no response. 

I have paid the loan down so far that my balance is just under {$1000.00}. Some payments were submitted to XXXX XXXX XXXX ( but I have no credit on my account for them ) but majority have been submitted to XXXX. At this time, all I have to support my claim is emails from XXXX and XXXX. I requested an itemized statement from XXXX. 

Please help me as I have no other recourse!

Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2015 about Debt collection (I do not know) with Franklin Collection Service, Inc. (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: My identity was stolen and accounts were opened as a result this account is reporting on my credit report and with your company is fraudulent and you continue to report.

Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (RI).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I was on a forbearance payments with navient for 3 loan that I co-signed for him and have been paying between XXXX. I called and they said that is now over and I have to pay XXXX i talked to someone about an income based program and all they can do is lower my payment to XXXX a month. I make XXXX a week and went over all my expenses such as car, mortgage taxes utilities and they said there is nothing they can do. They automatically deducted the 1st payment from me which leaves me in the negative. They will not work with me at all. They only lowered my interest rate to 3 % which leaves me with that XXXX payment. I don ; t know what else to to. I was will to give XXXX but they wont except anything from me. I have called them 3 times and received 3 different answers for payments so I called again and the final payment was XXXX Thats it.the bottom line which I ca n't afford.My house is now for sale which you can verify online because I can no longer do this

Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2015 about Consumer Loan (Installment loan) with WELLS FARGO & COMPANY (GA).
Issue: Taking out the loan or lease

Complaint: RE : DELINQURNT NOTICE ON ACCOUNT NO. XXXX The above subject refers. 
I recently check my credit history and found that on the XXXX of XXXX, 2015, Wels Fargo placed a delinquency notice on my credit report on alleged delinquent account. However, the supposed delinquent account no XXXX was closed by Wels Fargo on the XXXX day of XXXX 2015, upon satisfying the balance of the said loan in the sum of {$300.00} on XXXX XXXX, 2015. Please see copies of my XXXX XXXX XXXX account statement attached as " documents A and B '' as proof thereof. 
A cursory look of my loans ( both personal and student ) repayment history with Wels Fargo would show that I have never for once, late on my payment let alone defaulting. I need not stressed that the unscrupulous action of Wels Fargo has occasioned serious economic and financial harm as my credit score has nose- dive as a result the negative comment placed on my credit report by Wels Fargo . 

I called Wels Fargo and lodged a compliant, I was told to write to Wels Fargo XXXX in XXXX XXXX, NC. I mailed the said letter on XXXX, 2015, but no action has been taken to redress the hardship caused by Wels fargo 's sharp practices. 

Kindly investigate my claim and get Wels Fargo to do the needful. 

Sincerely, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/22/2015 about Consumer Loan (Vehicle loan) with Byrider Franchising, LLC (MA).
Issue: Managing the loan or lease

Complaint: My daughter financed a car from CNAC Carnow Acceptance Co XXXX XXXX XXXX XXXX, MA XXXX and XXXX Byrider. She payed all her car payments and her insurance company mailed them the check for the value of the car. Although she did not have GAP insurance CNAC has told us that my daughter 's loan will be paid in full and she will not owe any $ to them. When going to a different dealership to get her another loan and car CNAC will not give us a written letter stating that my daughters loan is paid in full. We have called numerous times and asked for something in writing that states her loan is forgiving and paid so she can get a new loan elsewhere and they said that we can go through them to get a new loan because they know the loan is paid but will not let her go to another dealership to get another car. Why wo n't they give her a letter stating the fact that her loan is paid so she can get a new loan? Please help!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2017 about Debt collection (Payday loan) with Resurgent Capital Services L.P. (CO).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: I have been getting calls from an alleged old payday loan from several years ago, beyond the time to collect, if it is in fact even mine. I recently requested my credit reports and there is a firm called XXXX Bank that has run my report 9 times in the past year. Although they are an issuer of credit cards, they have never made me an offer. Research shows that they are a part of XXXX, which is a gigantic debt collector and notorious for these sorts of illegal collection tactics. It is obvious that XXXX is violating 15 USC 1681q by wrongfully obtaining my information to have their related firm keep harassing me. As such they should be prosecuted

Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Pinnacle Credit Services, LLC (NY).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I drafted a debt validation letter to Pinnacle Services and they failed to respond to my request for validation. I know they received the letter because I certified it.

Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with HCFS Health Care Financial Services, Inc. (GA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: ARS has been reporting unverified information to my credit reports. I have requested documents and they continue to refuse to send it or remove this information from my reports I have request this information by mail multiple times XX/XX/XXXX and XX/XX/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 10/23/2015 about Credit reporting () with EQUIFAX, INC. (CT).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: The date of original delinquency is wrong on my Equifax report pertaining to a XXXX XXXX XXXX loan. The loan originated XX/XX/XXXX, my first delinquency was XX/XX/XXXX. The vehicle was repossessed and then redeemed XX/XX/XXXX. Equifax has XX/XX/XXXX as my date of first delinquency, which is IMPOSSIBLE, seeing as the car was repossessed and redeemed 7 months prior to that! 
I submitted a dispute ( # XXXX ) they said XXXX disagreedI submitted a 2nd dispute ( # XXXX ) they said XXXX disagreed again. 
I called XXXX myself and requested a statement for my account showing all the activity. They sent me a copy and sent a copy to Equifax. Equifax received my copy and XXXX 's copy, which clearly states my first date of delinquency was XX/XX/XXXX. My 3rd and 4th dispute ( # XXXX AND # XXXX ) were both rejected stating that the info that Equifax has is correct, despite the letter. 

I honestly ca n't take this anymore! I do n't know who can help me. Since my date of first delinquency on this account was more than seven years ago, this account should be removed from my credit. Everything I have read on line states that negative accounts should be removed 7 years from the date of the first delinquency. It has already been removed from my XXXX and XXXX reports months ago, which indicates to me that Equifax is WRONG! 

PLEASE HELP ME!

Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2017 about Debt collection (Medical debt) with TENET HEALTHCARE CORPORATION (TX).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I was contacted by a debt owed. I paid the amount they stated after written notice was recieve in the mail. The representative stated it would not be reported tot he credit bureaus if I made immediate payment, so I made payment as soon as I received an official notice in the mail. After checking my credit statement, I have found they did in face report to all three credit bureaus and even left the mark " Settle from less than owed ''. The original debt is marked as XX/XX/XXXX and I was contacted by them in XXX of XX/XX/XXXX

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