milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/24/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (NH).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: My loans for the past > 2 years have been under FedLoan servicing. They were taken over by XXXX when I started on the XXXX XXXX XXXX XXXX program. 

This spring I re-certified my income so I could continue on with my XXXX program. That is when the difficulties began. Initially they declined my re-certification multiple times due to not having sufficient info to verify my income. This was despite the fact that I submitted my XXXX 's and my IRS tax transcript. This delayed my re-certification past the deadline despite me submitting everything on time. During the multiple phone calls to resolve this issue they mentioned that while I clicked to recertify back into my same plan I also clicked a box on my forms erroneously to try to put me into a lower repayment program. It was a short discussion notifying me that I could be eligible to be put in a similar program that would not effect my PSLF eligibility and I would simply pay less each month. I told them I was fine with this as long as it did not effect anything overall. As I have had other friends do this I did not think much of it. 

Unfortunately my loans initially got put into standard repayment so I was debited {$560.00} for an unclear reason, then {$8000.00} from my account. I needed to call my bank to have this payment stopped. I also have an upcoming payment due for > {$3600.00}. My loans were supposed to be put in forbearance during the switch over as it takes XXXX a few months to determine my new program and monthly payment. Now I have XXXX payment overdue and likely another upcoming as I will not be paying the {$3600.00}. 

Now finally they have given me the info about my new repayment program and I will be paying > {$1900.00} a month. Previously I was paying a little over {$1800.00}. So after all of this I will be paying more, not less. To add to this confusion I was initially quoted approx {$1200.00} for the new program. 

On top of this I just realized that they added over {$43000.00} to my loan balance due to interest capitalization from the switch over of my loans. This was never explained to me and I would never had agreed to a switch if I new this would happen. 

When I spoke to a supervisor from XXXX the only option he gave me was to continue with the new repayment program and they will try to correct the {$8000.00} and {$3600.00} payment owed. They would not be able to correct my loan balance and the {$43000.00} in loan capitalization would remain applied. 

I am not sure if this is fraud or incompetence. I just want to be in the same program I was prior and back at my original loan balance. I am not sure what to do and I am at a lose. 

I would appreciate any assistance you XXXX be able to provide.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Consumer Loan (Installment loan) with SYNCHRONY FINANCIAL (TN).
Issue: Managing the loan or lease

Complaint: On XXXX XXXX, XXXX, I noticing a late fee charge of {$35.00} on my monthly statement and an increase of my minimum payment on my line of credit. 
I contacted Lowe 's SYNCHORY BANK. XXXX, XXXX, GA XXXX. 
XXXX XXXX : XXXX, and his Supervisor XXXX. Phone : XXXX I was told by the representative XXXX and his Supervisor XXXX that a late payment was XXXX because the payment which was due on XXXX XXXX, XXXX was received on XXXX XXXX, XXXX. I counter with the fact that ; the earliest available date, offered by my online banking systems on XXXX XXXX XXXX, was XXXX XXXX, XXXX. 
Additionally- The obvious reason for this avail date is, the fact that the payment period was a weekend, a XXXX and government holiday. These facts are supported with the knowledge all these are circumstances beyond my control. I was told by the XXXX 's supervisor key, that this is Lowe 's policy, and while the circumstance merits resending of the late charge. The increase to my monthly minimum balance, ( which I noticed was the same amount as the {$35.00} late fee ) will remain. 
Note : These business predatory financial practiced by XXXX 's financial services, increases client 's minimum payment by 20 % per occurrences. Actions that has the potentially to increase payments by 100 % over year, due to month with holiday and or weekends in their beginning. 
Actions which are evident, in my case, where the current assessment is the XXXX of XXXX predatory acts conducted by Lowe 's on my account. The first XXXX includes a posting of payment made on or about due date 3 days late, and assessing a charge. The second, assessing charges for late payment. When the due date accrued on a weekend. 
In conclusion- Lowe 's conduct is a reminder and reinstatement of practices use by credit card companies in XXXX. Which includes dramatic increase of APR and deviant accessing of late fee on consumers, who are already at their financial limits.

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 02/28/2017 about Debt collection (Non-federal student loan) with Williams & Fudge, Inc (VA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: An employee of William and Fudge contacted a friend, that they found viewing my XXXX profile, but said he was found through public records, and asked for my phone number regarding my debt. My friend refused to share my phone number and when I asked why they called my friend, I was told they could not find a way to get into contact with me but yet all my phone numbers and family members are public record.

Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Transunion is reporting a " unconfirmed '' Chapter XXXX Bankruptcy. 
I changed my mind about the bankruptcy and asked my attorney to cancel. Please see the attached documentation.

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 08-02-2016 about Money transfers (Domestic (US) money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (CA).
Issue: Other transaction issues

Complaint: On XXXX XXXX, 2016, I initiated an online Moneygram transfer of {$1000.00} for my son. In the past 2 months I have been sending him transfers with just his first and last name on the Moneygram and he has been able to pick up the money. I live in XXXX XXXX and my son attempted to pick up the money at a Moneygram location in XXXX XXXX on XXXX XXXX. He went to at least XXXX Moneygram locations but was told he could not pick up the money because his ID did n't match. The Agent said that the Moneygram was missing his middle initial so he could not pick it up and the the policy recently changed to require the middle initial. BUT the online form says that the middle initial is optional and today it still says the middle initial is optional. On XXXX XXXX I cancelled the transaction and received a confirmation email that acknowledged the cancellation. From the date of cancellation it 's supposed to take 3 to 10 business days to receive the refunded money. I called Moneygram XX/XX/XXXX, the 10th business day because I received an email on XX/XX/XXXX saying that my transaction was cancelled on XX/XX/XXXX. I called and spoke to a supervisor named XXXX who looked into the transaction and confirmed that the cancellation date was not XX/XX/XXXX as the Moneygram email said, but XX/XX/XXXX. In the email I received yesterday, it says that I have to wait 3-10 days from XX/XX/XXXX to receive the refund. This is a deceptive practice. Now it can be up to 20 business days, or a month before I get my refund. I am complaining about the deceptive practice of requiring a middle initial - the online form does n't require it - for pick up. I am complaining about their refund process. The Customer Service agents are argumentative and do not take the time to research the issue or provide me with a proper email response. I called and emailed and my issue still has not been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2015 about Debt collection (Credit card) with McCullough Payne & Haan, LLC (GA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: I applied for a XXXX XXXX XXXX Credit Card in 2004. I had a {$2500.00} limit. I was laid off and also was in a motorcycle accident and could n't work. I could not afford to make payments. XXXX XXXX XXXX sold the debt to XXXX XXXX XXXX. I never knew I had a judgment on my credit report until they contacted my employer to garnish my wages 6+ years after the judgment was filed. McCullough, Payne & Haan, LLC is now handling the collection. The {$2500.00} now is over {$12000.00}. I have the judgment, garnishment paperwork, and a fact sheet to attach for a better understanding of what has taken place.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2016 about Credit card () with Blackrock Mitigation Group LLC (PA).
Issue: Arbitration

Complaint: Blackrock Mitigation has people calling me, my work, my mother, my step father, ect. Threatening to serve me papers and saying if I am not there, it will count against me in court and that I will be shown as missing a hearing. The lady I spoke to on the phone said herself the gentleman calling me should not be saying these things. They refuse to inform me of who the man is or how I get a hold of him as well.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I applied for a loan with XXXX XXXX, was denied credit because my FICO score showed a pending bankruptcy with Trans union. This is incorrect! The bankruptcy is final and discharged on XXXX/XXXX/2008. I called Trans Union XXXX times! I cant understand any of them!!! Tell them to hire Americans, the ones that pay taxes in this country! They deny that it 's pending and the FICO score shows it is pending. I called FICO, they wo n't tell me nothing and tell me I have to contact the Credit Bureaus to change my FICO score. So what do! One denies the credit report and FICO wo n't give me no information! This is not right, If some organization is using a system to judge me, I should have the right to any information used on me!! I do n't know who to contact. I want my credit straightened out.

Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (LA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I shared an account with a XXXX who is a friend of mine on a cable/internet account with XXXX. I left the residence and the account remained open for mea friend. After he closed it, they apparently did n't receive their equipment back so they issues a collection in my name since my roommate moved back to XXXX and is unreachable. 

I have been trying to pay it as basically a nuisance fee because it 's impacting my credit score. I am currently trying to buy a house in my community but my loan is impacted by this issue. I spent more than an hour and half on the phone with them today being transferred more than 5 times. Most recently I have not even had a customer service representative on the phone for at least half an hour. 

I want to pay the debt, though I want a guarantee that they 'll issue a correction and a letter of deletion but I ca n't even get someone on the phone. 

I find it incredible that they can impact my credit score and thus my ability to take out a loan but wo n't answer a call to accept payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/13/2015 about Bank account or service (Checking account) with SUNTRUST BANKS, INC. (AR).
Issue: Account opening, closing, or management

Complaint: I started a SunTrust bank checking account online on XXXX/XXXX/2015. I was able to access the online portion and got my account and routing numbers so I could direct deposit my paycheck. When I checked back a few days later, I could n't access the online banking. I called SunTrust, and they said they could n't verify my identity, so I could n't get online banking until they sent me a verification card to my address, that I would sign and mail back. After a few weeks, I still had not received the verification card, so I called back, and SunTrust informed me that my account was closed for " rules violations '', although they would not tell me what rules I violated. They gave me no warning that my account was about to be closed, or anything I could do to keep it open. They said the account would be closed and I would be sent a check. A few weeks after that, I receive a statement for my account, which I thought was closed. I called again ( XXXX/XXXX/15 ), and SunTrust informed me that my account was still in review to be closed, and I would not receive the paycheck I had deposited until the review was done. They could not give a time frame for the review to be done. I opened this account with a promotion, in which if I deposited over {$2000.00} I would receive {$200.00}, and I believe that because I was very close to achieving the promotional balance, they closed my account. Now they are refusing to send me back my money.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 04-05-2017 about Debt collection (Medical) with WAKEFIELD & ASSOCIATES, INC. (CO).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I was contacted by Wakefield & Associates to resolve a debt. I want to pay. We cameto an agreement to settle my file with XXXX. Payment was due XX/XX/2017. They did not disclose any addl fees added on until I called them to make my payment. The amount was XXXX. I was also told at one point their client was charging interest. Turns out Wakefield is adding interest. My bill in early XX/XX/2017 was around XXXX. We agreed to settle for XXXX. I called the origginal creditor for resolution. They spoke to Wakefield and now my balance is XXXX.

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 05/15/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Conn's, Inc. (NM).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I currently have an open account with Conn 's furniture. My payments are due on the XXXX of each month and when I do n't make my payment on that day, calls start coming in starting at XXXX to XXXX every hour on my cell phone and my home phone which is very annoying. I try explaining to them when I will be making my payment which usually has to coincide with my paydays but never accepting any explanation only if I provide a post dated check with them which I 'm very uncomfortable in doing. I have contacted the XXXX in the past but they just told me attempt was made but no response from the company. What can I do to stop the harassment and I pay my bill every month with just that I ca n't always make on that day sometimes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-11-2017 about Debt collection (Non-federal student loan) with Partners Financial Services Inc (OH).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: First, I attempted to contact a technical college called XXXX XXXX XXXX XXXX XXXX that I attended for a short time in 2013 due to a debt appearing on my credit report. I have found that the company/college has since gone out of business. 

Next, I attempted to contact the collection agency listed on my credit report which is Partners Financial XXXX XXXX XXXX Fenton MO XXXX ( XXXX ) XXXX. While speaking to the agent about this debt, I asaked how I could contact the intended payor from their account trying they were trying to collect for. 

What then happened the agent was rude stating that I already contected this charge. The agent abruptly stated that since I attended the college, I owe the debt. 

When I asked who they were going to give my money to since the company they are collecting for is defunct, stated " The XXXX XXXX XXXX XXXX ... '' I asked again how are you going to give money to a company that no longer exists? 

I then asked for the information of who the debt was being collected on the behalf of and the individual would not provide me the information and then I was put on hold and no one returned. I then called back and was then transferred to a mail box. 

In conclusion, I believe that the debt was being collected fraudulently. Second I believe that I have no recourse with the entity that states I owe this debt because it is now out of business. The agency attempting to collect the debt may be a forgery and or scam because the lack of transparency. 

This agency has attempted to call me numerous times in order to attempt to collect on a bill that I believe they are illegally attempting to collect.

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 07/25/2015 about Debt collection (Credit card) with WINN LAW GROUP, APC (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Sued where didn't live/sign for debt

Complaint: I am being sued by XXXX XXXX XXXX in the state of California. The debt I created with XXXX XXXX XXXX was created in the state of XXXX. I did not sign for the debt in the state of California. Why am I being sued in the state of California? 

Also, I received a letter from XXXX XXXX , Executive Office of Customer Advocacy for XXXX, dated XXXX XXXX, 2015. This letter was pertaining to an investigation that XXXX performed concerning my previous CFPB complaint. She stated that Winn Law group reported that there were XXXX repayment options offered to me which I declined. This was a false statement made by Winn Law Group. I was offered only XXXX payment option which was a 60 % reduction of the balance in a XXXX lump payment or XXXX monthly installments. I declined the offer because I thought the debt had passed the statue of limitations to be sued on in the state of California. So, I decided to make a complaint to the CFPB for relief of this debt. Additionally, the Winn Law Group stated to XXXX that I declined another offer of a two year repayment plan. The law group never made an offer of a two year repayment plan to me. This is false. When I spoke to XXXX XXXX, a lawyer at Winn Law Group, I told him that they never mentioned more than XXXX option of repayment to me ; however, if there is another option for me, I would prefer a 60 % reduction of the balance with a first payment of {$3100.00} and the remainder to be divided into XXXX monthly installments of {$260.00}. XXXX agreed that this was a doable arrangement ; however, I did not hear from him anymore on the matter. I faxed him a copy of XXXX XXXX ' letter for his records. 

I received a letter from Winn Law Group dated XXXX XXXX, 2015 stating that they have verified my debt with XXXX and it is their intention to continue with collection activity. I was instructed to consult an attorney if I have any questions about my liabilities. 

I have made XXXX attempts to make a financial arrangement to settle this debt ( my XXXX offer was a lump sum of {$3000.00} dollars ) and Winn Law Group does not appear to be willing to settle this debt in a civilized manner. I am trying to avoid payroll garnishments and unauthorized withdrawals from my bank account. As a consumer, what can I do to protect my assets when I have tried to make repayment arrangements?

Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2016 about Mortgage (FHA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (VA).
Issue: Loan modification,collection,foreclosure

Complaint: I had a mortgage with XXXX XXXX. I made all payments, I even had a payment plan with them, bi-monthly. They closed that program down wth no warning. I was injured on a job, had XXXX fell behind in payments, caught up the month in question is XXXX. My daughter and I made the full payment, late but it was made. Later on XXXX had a Home preservation program ( loan modification ) I entered it during XX/XX/XXXX. The modified payment began on XX/XX/XXXX- XX/XX/XXXX, a six-month program. after it was done I was to resume my normal paymens. Somewhere along the way, XXXX destroyed six months of payments they transferred my loan to Carrington, then they said I was behind and owed Carrington the six months of payment beginning in XX/XX/XXXX including the difference from the modification payments. I have my records that shows I paid everything and Carrington will not accept them because of a missing signature on faxed copies. They have sent back my payment for XX/XX/XXXX. They accepted my payments for XX/XX/XXXX and XX/XX/XXXX. They told me they will not accept anymore payments from me.

Company response to consumer: Closed with explanation
Consumer complaint received 01/14/2018 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (KS).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: I set up a payment plan with Portfolio Recovery for an XXXX XXXX account on XX/XX/XXXX. Amount due was {$480.00}, payments to be withdrawn from my rapid refund account every two weeks in the amount of {$40.00} starting date XX/XX/XXXX with final payment in XXXX. The first payment was withdrawn in the amount stated above, but then I received a phone call on XX/XX/XXXX at XXXX from Portfolio Recovery stating they did not show any information of a payment arrangement being setup. I received another phone call on XX/XX/XXXXat XXXX, reminded the caller that the calls they place are recorded and they needed to go back in their archives and review the information that was set up on the XX/XX/XXXX. 

Portfolio Recovery XXXX XXXX XXXX. XXXX XXXX XXXX, VA XXXX XXXX Thank you XXXX XXXX

Company response to consumer: Closed with explanation