milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-06-2016 about Consumer Loan (Vehicle loan) with American Credit Acceptance, LLC (AZ).
Issue: Problems when you are unable to pay

Complaint: I filed a complaint to you back in XXXX 2015 due to the company was calling me to early in the morning. I live in Arizona and the law here is no calls before XXXX. The company American Credit Acceptance called me after you sent the dispute and apologized, but after that I have not received any correspondence from them no monthly statements or calls. They stated I put in a request for them not contact me which is not true. When I spoke to someone with the company they never stated all correspondence would stop.

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 07/22/2016 about Credit reporting () with EQUIFAX, INC. (NV).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have multiple accounts on my credit file that were added within the last month, non of these accounts are mine, I was informed that my credit file may have been merged with someone with the same or similar name, someone with a pervious address. Equifax refuses to fix this problem and continuously adds new accounts to my credit file every single day. They wo n't help me, they wo n't delete these accounts, and they wo n't un merge these XXXX credit files. I have personally called all these companies, and they ca n't find any information because my SSN does n't match anything they have on file. I 'm sick of doing Equifax 's job! They should be calling, NOT ME. They need to do their XXXX job. The accounts are n't mine, and I do n't want them on my file anymore. Furthermore, I have multiple accounts added to my credit file due to identify theft, and Equifax also refuses to remove those accounts as well. I 'm so sick of dealing with these rude mean people in their Consumer Affairs Department. They are mean, unhelpful, and just plain awful! I have the accounts that are n't mine listed below. 

XXXX XXXX XXXX XXXX XXXX, XXXX {$2100.00} XXXX XXXX XXXX XXXX XXXX, XXXX {$1500.00} XXXX XXXX XXXX, XXXX {$170.00} XXXX XXXX XXXX XXXX XXXX XXXX, XXXX {$47.00} XXXX XXXX XXXX XXXX XXXX XXXX, XXXX {$35.00} XXXX XXXX XXXX XXXX, XXXX {$0.00} XXXX XXXX XXXX XXXX, XXXX {$0.00} XXXX XXXX XXXX, XXXX {$0.00} XXXX XXXX XXXX XXXX, XXXX {$6200.00} XXXX XXXX XXXX XXXX XXXX XXXX, XXXX {$1400.00} XXXX XXXX XXXX XXXX XXXX, XXXX {$890.00} XXXX XXXX XXXX XXXX, XXXX {$360.00} XXXX XXXX XXXX, XXXX {$0.00} XXXX XXXX XXXX, XXXX {$0.00} XXXX XXXX XXXX XXXX, XXXX {$0.00} All these accounts were added to my credit file from XXXX XXXX, XXXX - PRESENT. I personally find it odd that the 3 years I have had a credit file that none of these accounts have been on my credit file until 1 MONTH ago, when some of them are 8 YEARS OLD! Equifax is a scam and they need to remove these accounts now. I will be filing a report with my local law enforcement as well as the attorney general about their practices. I have filed a police report about Equifax and these accounts with the XXXX Police Department, the report number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 08/13/2017 about Debt collection (Medical debt) with Capital Accounts, LLC (NC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I received a letter from Capital Accounts requesting I pay {$900.00} to them covering a debt to XXXX XXXX XXXX. I stated that I needed a detailed statement in order to reconcile the details with my insurance companies and then attmept to pay the true debt. The letter stated that I should request in writing within 30 days to have the details. I then spoke to XXXX XXXX with Capital Accounts and he stated he 'd have me the details in 15 days. In 30 days I got a letter than it was being sent to credit reporting. I called XXXX XXXX and he said he could n't get the details from XXXX XXXX XXXX yet and I told him that I needed that prior so I 'd get it from XXXX XXXX and get back with him. The problem is that XXXX XXXX decided there were some charges that were incorrect and they resolved the data issue and was supposed to resubmit to Capital Accounts on XXXX XXXX 2017. I checked XXXX XXXX today and I 've lost XXXX points from this unfortunate horrible communication problem. XXXX XXXX XXXX claims they sent me 5 letters however I never got their letters, just Capital Accounts, the collection agency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2016 about Bank account or service (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (LA).
Issue: Deposits and withdrawals

Complaint: I was banking with Capital One 360, online banking since XXXX XXXX, XXXX and XXXX XXXX, XXXX, when I spoke with a Capital one 360 banking representive, " you can come and bank with us, if you have any problems with your old bank, which is XXXX, we will do a good job with your account ''. XXXX XXXX, XXXX, I transfered my Money in the amount of {$750.00} from XXXX to the Capital One 360 account. I could not believe or to my surprise the Capital One 360 online banking representives irlegally gave my money back to XXXX! Me as a Loyal Customer begin to make transactions, when I saw my Deposit get in to the Capital One 360 account, 75 % of my bills I requested Credits due to the XXXX Fraud, of trying to ir-legally take my Bill money and necessities money! XXXX Employee 's had ir-legally taking money from me before. XXXX XXXX would never put Fraud in a Mail Box. XXXX would let positive pay, go though by " your funds are here '', and than it would try to ir-legally get me to lose everything!!!! I have, so today XXXX XXXX, XXXX, I am filing a complaint against XXXX for Fraud, and Capital One 360 Online for no Fraud coming in to this account!!!!! When I worked as and in XXXX, I was the Employee, not the Employer!!! XXXX XXXX never put fraud in a mail box!!!! I do not know what Fraud looks like! XXXX!!! XXXX has a problem distinguishing Fraud? I would hardly believe that XXXX Employee 's has a problem distinguishing fraud!!! Meaning, they would do alot of ir-legally things, constancely trying to take money from me, I had XXXX on my registrar, I went into the XXXX XXXX Branch, when I had a correct balance, it may have been the year of XXXX, when my bank book correctly, when I was told by a Branch Manager at the XXXX XXXX XXXX Branch, " if you want to stay with XXXX Bank, we have to charge you, {$37.00}, you plus you have to pay have XXXX XXXX. I showed him my XXXX how well I well I balanced, meaning XXXX money was already there, when he ir-legally, started taking money from me stay them!!!

Company response to consumer: Closed with explanation
Consumer complaint received 08/30/2016 about Mortgage (Conventional fixed mortgage) with SUNTRUST BANKS, INC. (PA).
Issue: Loan servicing, payments, escrow account

Complaint: I have a conventional, fixed-rate mortgage with SunTrust Mortgage. They have an escrow for my city/school taxes and homeowners insurance. When my homeowners policy was being paid for, SunTrust paid out the amount of the policy twice - one to the correct insurance company and one to the incorrect insurance company who I do n't have any business relationship with. I 've notified SunTrust of the mistake immediately on XXXX XXXX, they acknowledged that the payment should not have been issued twice, but since then I 'm not able to get the incorrectly issued payment refunded to my escrow account. Phone customer support is not helpful and makes continuous mistakes in handling my issue. Numerous times I was given promises of customer support to call me back, but was only called back twice. I 've escalated the case numerous times but as of XXXX XXXX there is still no refund. I 've asked to talk to the SunTrust Mortgage management, and was told that they would call me back - but they have not called back. I 've filed a complaint with the customer service in SunTrust, but they just closed the complaint form without contacting me and without any comments about the complaint resolution. The customer service that I 've received is terrible - SunTrust Mortgage paid out money from my escrow to a completely unrelated company but is not refunding me that money.

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 12-06-2016 about Student loan (Federal student loan servicing) with GC Services Limited Partnership (PA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: My loan is with a collection agency titled GC services. The only way the company will set my payments up is if I have XXXX references. They already have XXXX on file and I can not find another source who lives outside my home. There guidelines state you need XXXX outside the home so because I do n't have a third reference I can not start repayment.

Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2016 about Mortgage (FHA mortgage) with U.S. BANCORP (OH).
Issue: Loan modification,collection,foreclosure

Complaint: MY CLIENT AND I HAVE BEEN DILIGENTLY WORKING TO PROCESS A SHORT SALE WITH US BANK, AND HAVE HIT MULTIPLE ROAD BLOCKS, DUE TO US BANKS IN ABILITY TO REVIEW, COMMUNICATE IN A TIMELY FASHION. AS WELL AS DELIVER FALSE INFORMATION REGARDING OUR REVIEW. PLEASE SEE ATTACHED. I HAVE ALSO REACHED OUT TO FHA NATIONAL SERVICING CENTER FOR ASSISTANCE REGARDING THESE CIRCUMSTANCES, THAT ARE FORCING MY CLIENT INTO A FORECLOSURE/SHERIFF SALE.

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 04/17/2017 about Debt collection (Federal student loan) with Navient Solutions, LLC. (NJ).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Entered 12 month student loan recovery program with previous lender at the  XXXX  of  2016 to ge t student loan out of default. I paid {$200.00} a month until I received notification that the loan was out of default status. At that point the loan was sold to Navient. This occurred at the   XXXX   of  2016. I  agreed to pay {$68.00} a month. I am current on my payments and should not be reported as 120 days late on my credit report. I have been rebuilding my credit over the last 12 months. I take m y credit score very  serious and is going to prevent me from purchasing a home. I just came up on a mortgage application.

Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2016 about Mortgage (Conventional fixed mortgage) with Brock & Scott, PLLC (GA).
Issue: Loan modification,collection,foreclosure

Complaint: On XX/XX/XXXX I got an initial communication letter from a foreclosure attorney by the name of Brock and Scott stating that i owned XXXX and had XXXX days to dispute debt About XXXX XXXX days letter I received a Notice of Acceleration Letter stating that Brock and Scott was advertising my property for a non judicial foreclosure sale on XX/XX/XXXX less then 30 days and less then XXXX consecutive weeks from the foreclosure date NOT TO MENTION, I DID NOT GET THE OPPORTUNITY TO ASK FOR VALIDATION PRIOR TO THE ADVANCEMENT OF COLLECTIONS. They have violated the non-judicial Georgia Foreclosure laws and Federal Laws and I dispute the debt I also attached an email from a Bank of New York XXXX representative stating that her form XXXX does not own the loan or the property. So how is Brock and Scott advertising that the XXXX owns the loan?

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Debt collection (Credit card debt) with TRANSWORLD SYSTEMS INC (TN).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: In XX/XX/XXXX I defaulted on an XXXX credit card with a balance of {$6800.00}. The matter was turned over to Transworld for collection. ( I selected the items on this site that best described my issue but it was not an exact match ). Transworld first garnished my military retirement for 6 months in XX/XX/XXXX. I can not find records of this. They then garnished my wages from my employer XXXX XXXX in XX/XX/XXXXthrough XX/XX/XXXX. I have evidence of this in my attachments. I started a new job in XX/XX/XXXXand in XX/XX/XXXXTransworld garnished my wages from XXXX XXXXXXXX XXXX and are still presently doing so. In XXXX of this year Transworld garnished my XXXX XXXX  once again and are now garnishing both my work wages and my retirement, leaving me no disposable income. All my earnings go to obligations with very little exception. I am attaching the last statement I received from XXXX which shows just last month they collected {$830.00} from me. 
I have spoken with Transworld on several occasions and they will tell me nothing, simply refer me to XXXX. XXXX told me in XXXX of this year that they show no record of collections from me until XX/XX/XXXX. I am attaching summaries from XXXX that show a garnishment in XX/XX/XXXX and XX/XX/XXXX. XXXX only started sending me statements this year after I complained to them. The original billing from XX/XX/XXXX was for {$7900.00}. In XX/XX/XXXX, they stated my debt was then over {$13000.00}. In XX/XX/XXXX, the debt was still listed as over {$13000.00}. The statements finally started showing a decrease in the debt. I am not sure what I can do to prove all the garnishments but I hope I provide evidence of enough to show that Transworld collected a substantial amount from me without forwarding all they collected to XXXX. XXXX offered me no solace. i was told that they were a government agency and they could do what ever they want and they claim they gave me chance to negotiate. I did receive a notice of this but when I inquired they would not set up any payment agreement. Any assistance you can offer will be appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 04/30/2016 about Debt collection (I do not know) with Ceannate (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: At approximately XXXX on XXXX XXXX, 2016, an agent of FMS called me ( http : //www.fmsdc.com/ ). They said I was listed as a reference for a family member and needed my family member 's contact information. They said my family member gave them my contact information ( misrepresentation # 1 ). I asked if they were a collection agency and they refuse to confirm nor deny ( misrepresentation # 2 ). I asked to speak to a manager and I was told the manager 's name was XXXX XXXX. They gave me their mailing address which was different from their website address. According to the Fair Debt Collection Practices Act, FMS clearly had the intention to misrepresent to me they were an agency hiring my family member. When asked point blank if they were a collection agency they would not affirm. Their website is clearly a debt collection agency. This is not the first time the agency has called me requesting information. Additionaly, to note, I researched the company and the Former Governor of Maine, XXXX XXXX, has an interest in the parent company.

Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BANK OF AMERICA, NATIONAL ASSOCIATION (AZ).
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: I had a mortgage from Countrywide originally. Then was bought by Bank of America after getting a modification and then making my payments on time for almost a year in 2012, Then after sending my payments still on time. Bank of America then the mortgage was then bought by XXXX XXXX XXXX, Again all my payments were made on time. I have documents proofing this. I asked XXXX, XXXX   and XXXX  and sent the documents that I have from my XXXX XXXX  account proving the dates of payments. I received a letter back from XXXX that they would not change the lates on my report from both Bank of America and XXXX XXXX XXXX. I have been working on this for three years to get this straight and my credit report accurate and have no late payments from either Bank of America or XXXX XXXX loans since 2012.

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 05/18/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I was in an Income-Based Repayment Plan with Navient and opted to overpay for multiple  months. I was removed from the Income-Based Repayment Plan for " paying '' myself " out of the plan. '' This was never mentioned  to me as a possibility or a negative of overpaying what was owed each month. I only discovered this was the case because I received a startling high bill and called in to see why my bill had jumped to over $  XXXX . When I asked for an explanation I was told I could possibly be put back into the Income-Based Repayment Plan ( I still had 6 months left without having to re-apply ) and they would make a note on my account. I am still trying to figure out how to allocate my overpayments to the principal. According to their website and the woman I spoke with on the phone, the only way to do this is to mail a physical check and each time, include a payment plan/schedule. Their sample payment plans are unduly confusing and I can not figure out how I would even set  one up with a physical payment. It is misleading and unnecessarily confusing that you can not allocate how your overpayments are applied online. To force a customer to do this manually EACH time, AND only if you 're paying with a physical check, is concerning. I doubt most people under the age of 40 us e physical checks to pay their bills. For instance, my main checking account is solely online and I would n't be able to include a piece of paper if I order a check through them to go to my student loans (   XXXX   XXXX    ). This  is really frustrating as I 'm trying my best to actually pay off my loans.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (GA).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: Mulitiplea times when i was promised forebearance it was not applied and to this day still negatively applies ro my credit report. I was unable to make payments unless it was an automatic deduction because the system didnt support 1 time payments, making me late. Also the amounts have not been allocated properly. Also the school i went to was closed down and has no accredidation but im still paying.

Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (FL).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: After having a substantial relationship wit h Chase, I g ot a notice they have decided to close my account and gave me no reason whatsoever. I ha d one iss ue with a wire transfer which was refused and caused an issue on my account, while I was traveling for a family emergency. The signer on my account had his account effected and him being on my account effected my relationship Upon fixing the issue, I was told my accounts were to be closed including all of my lines of credit, business   accounts and personal accounts.
JP Morgan Private cli  ent wanted me to open an account with them and put a portfolio together for me, reviewed my financials and tax returns and everything and then were told   by Chase that they were not able to open account.
I am an ideal client and maintain substanti  al balances in the accounts and own and operate recognizable businesses.     There was no reason whatsoever my accounts were closed. I had issues which were addressed and fixed the moment they were brought to my attention. I want to have my relationship back as this is the only bank which operates in all the states we do business

Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2016 about Student loan (Non-federal student loan) with AES/PHEAA (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: My name is XXXX XXXX, I would like to submit a complaint against the loaner American Education Services. I have submitted an application to discharge my loan due to False Certification ( Ability to Benefit ). I come to find out that the school I got a XXXX was n't legit and did not meet the requirements for Regulation or Accreditation. I took an adult program to obtain a XXXX XXXX XXXX from home. AES mailed a " Notice of Eligibility stating I was ineligible for the loan discharge because further information is required to complete the process. They have requested that I must provide proof that I did not complete XXXX credits or XXXX clock hours of coursework. Unfortunately, this school is now closed to be able to provide my loaner with the information requested. I have filed a complaint with the XXXX and provided AES with proof of law suit court order towards this school and it is not sufficient. I have been given the number to XXXX and have explained my situation and have been given multiple numbers to call to get this resolved and nobody has been able to help me. If the school is closed and is under a law suit because their high school diploma was n't legit, I do not see why this information should n't be enough to determine I did n't have the proper education to have a high school diploma at the time I enrolled at XXXX XXXX for XXXX XXXX program which is the cause of this loan that I am stuck with. everything was a lie and I do n't feel I should be responsible to something that was not valid and or go along with a lie. I was n't aware of all this or else I would have not got into school. I was just trying to make something better in my life to be able to provide for my family. I am now stuck with a loan that I never even benefit from with the XXXX course I wasted my time on. Could you please help provide some kind of documentation for this case?

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2018 about Debt collection (I do not know) with Perfection Collection (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: This is my second complaint to this company, this is not my debt it is identity fraud. I asked for proof in my last report from perfection collection and I'll ask again please send all documentation with my name and signature showing I knew or was aware of the debt and he 3 times you spoke with me. besides the ONE time I called this company. They have never reached out me via phone email or mail EVER! They did attach a paper with my name Ss # with a co application XXXX XXXX please send me proof with my signature that I signed and authorized this. I am not willing to pay someone else 's debt and paying half of XXXX when the original debt is XXXX isn't working for me. Send me more info than the image I attached hat u originally sent Or I'm reporting you to the XXXX

Company response to consumer: Closed with explanation