milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-11-2017 about Student loan (Federal student loan servicing) with AES/PHEAA (VA).
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: This issue occurred after resolving my REPAYE certification dispute with CFPB complaint #  XXXX  where the Vice Presid ent of Loan Operations wrote a formal re sponse indicating my REPAYE certification was approved and the company would grant an administrative forbearance to cover the {$3600.00} bill due on  XXXX / XXXX /  XXXX  .     I just received  an Interest Notice from FedLoan Servicing indicating {$11000.00} in  accrued interest will be capitalized onto my loan principle on  XXXX / XXXX /  XXXX  . This is a severe financial penalty being placed on me due to an administrative error made by FedLoan Servicing. To be clear, I did not request this forbearance be placed on my account. Fedloan Servicing used forbearance as a tool to correct their mistake so that I can pay my normal monthly payment at a later date. Interest capitalization was never discussed.     As detailed in my previous complaint, FedLoan Servicing sent me an e-mail requesting I follow their link to recertify m y REPAY plan. I followed their instructions the same day Fed Loan Servicing sent me the e-mail. FedLoan Servicing administratively closed out my REPAY E recertification without notifying me and later claimed it was because I submitted the REPAYE recertification " too early ''. It is not possible to submit a REPAYE recertifiation too early or, at the very least, the company should provide notice to the borrower when their recertification application is closed.

Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2016 about Consumer Loan (Installment loan) with ENCORE CAPITAL GROUP INC. (NJ).
Issue: Problems when you are unable to pay

Complaint: I had a hard time paying XXXX XXXX and got behind in payments so this went on my credit report but last year I had a bank levy for the loan of {$520.00} dollars and when I called the court officer the only thing he can tell me is that those fees went to a lawyer but he could not give me details

Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: At day of XX/XX/XXXX I did send a complaint to TransUnion about fraudulent accounts and charges that did show on my credit report and asked them to delete them from my credit report. Complaint was deliver as of XX/XX/XXXX. As for today XX/XX/XXXX I did n't got any answser from them. 

Dissputed accounts : 1.XXXX/XXXX openedXX/XX/XXXX with charge {$620.00} 2.XXXX XXXX XXXX  opened XX/XX/XXXX with charge {$1900.00} 3.XXXX XXXX XXXX with charge {$230.00} I also dissputed fraudulent charges to my credit card for {$1000.00} I am attaching all send information to this complaint

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 08-11-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (VA).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: On XX/XX/XXXX I entered into what was thought to be a standard 10-year repayment program with Navient Student loans. This was for both Stafford and Direct student loans. On XX/XX/XXXX my repayment amounts went up. I contacted Navient and they stated that my Direct loans were on a graduated repayment plan but my Stafford loans were on a standard repayment plan. I told the representative that I did not sign up for a graduated repayment plan for any of my loans, and that if I was going that route I would have done it for all of my loans. I asked her when this went into effect and she stated it started from my first payment on XX/XX/XXXX. She then stated that they have no record of the disclosure of terms of service being sent to me and they would send one now. I explained that I have spent 2 years paying interest only on the Direct loans and it does not do me much good to have a disclosure of the terms of service now but it would have been great to have it when I started. She stated they could move me to a standard repayment plan now, which would increase the total monthly amount by almost {$200.00} from my original payment. I asked what my standard repayment amount would have been and she said she was not sure as she would have to calculate it from the original balance, but it would have been lower than the newly quoted amount. I shared that I would not have agreed to making interest only payments for any portion of my loans for any time frame and that had I been disclosed that my Direct loans were on that program I would have immediately switched them to a standard repayment plan. She ended the call with saying she would put in a request to see how the Direct loans were originally put into a graduated payment plan, whether it was online or by phone. She also said they would be sending me a Terms of Service disclosure for the graduated loans that she had no record of ever being sent to me when the loans started. I told her I needed to check with a financial adviser prior to making any further changes of those loans and that I need to talk with an attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 11/21/2017 about Debt collection (Other debt) with Diversified Consultants, Inc. (NJ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: There is a debt on my credit report that I know for a fact is not mine and I was in the process of disputing. But because I am going for a mortgage, it can not be in dispute. Therefore, I have contacted Diversified Consultants several times to get it removed out of the dispute and update my credit report to remove the account in dispute status. I spoke with a representative called XXXX XXXX and he said the only way that he will remove the account out of dispute is if I pay the account. Now this is a violation of the Fair Debt Collection Practices Act and I know is not right. Something needs to be done about this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/29/2017 about Vehicle loan or lease (Lease) with JPMORGAN CHASE & CO. (NH).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: Our company recently leased 4 vehicles and the lease was financed by JP Morgan Chase ie. Chase Auto Finance. This was arranged by the car dealership. The bank bills our company and the lease payments are made by our company manager in a timely fashion. JP Morgan Chase for some reason has not been crediting payments appropriately ie. they get credited extra to a couple of accounts and a couple others are reported as delinquent. 

The bank representative called me on XXXX/XXXX/XXXX and it was explained to her that this was a company account. I told her that she should be calling the office as the issue will be addressed by the office manager. She mentioned that she had called and nobody answered. When questioned further as to what time she had called, as during the business hours, there is no reason why she would not be able to reach somebody there, she was unable to give me the details. It was mentioned to her that I will pass this on to the office manager and this issue will be addressed by her in a few days when she is back from her vacation. The representative was quite rude on the phone and she stated she will continue to call me. 

In a few days when the office manager was back, she called them and was told that they had made the mistake and credited some accounts extra in error. They said that it will take 20 days to resolve the issue. The office manager mentioned that, that was not appropriate as the payment had been made and the error was on their part, so they should rectify it soon. The office manager mentioned to me that the representative was rude to her also. 

In spite of everything being addressed as noted above, I continued to get repeated calls ie. 6 on XXXX/XXXX/XXXX, 4 on XXXX/XXXX/XXXX, 4 on XXXX/XXXX/XXXX, 4 on XXXX/XXXX/XXXX, 5 on XXXX/XXXX/XXXX, 4 on XXXX/XXXX/XXXX. At that point, I had to block their calls. 

Then I got a letter dated XXXX/XXXX/XXXX stating that I had fallen behind on my payment of {$480.00}. I spoke to my office manager and was told to ignore it as the matter had been addressed. Then today morning XXXX, I find that my credit score has " dropped close to 80 points '' because the bank had put in 1 late payment to my account. 

It is quite likely that this arrogant behavior of the banks and their staff is not isolated. Their attempt to bully individual customers who do not have the resources to stand up to them should not be tolerated. I would appreciate if you could look into this matter and take appropriate action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/30/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Halsted Financial Services, LLC. (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received a call from Halstead financial services from XXXX The caller repeatedly hung up on me before I got a woman named XXXX told me that I was in dept and I need to pay it because I 'm in the last stages before legal action I ask to speak to a manager she said the manager would call me back demanded to speak to one right away they gave me to a woman named XXXX she told me all the information on the account none of it is my information but the name they got my number and address from a skip trace of some sort

Company response to consumer: Closed with explanation
Consumer complaint received 04-09-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: My property was sold in XXXX with the assurance that because of the XXXX balance, XXXX XXXX XXXX would not place derogatory information on my credit report. It appears that information from XXXX and XXXX termed derogatory are on the credit reports of XXXX and Transunion. 
I would appreciate this derogatory information removed.

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 02/27/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with BANK OF AMERICA, NATIONAL ASSOCIATION (MD).
Issue: Loan modification,collection,foreclosure

Complaint: My home loan servicer ( mortgage holder ), Bank of America, will not comply with assisting me with a home loan modification, and/or mortgage assistance as prescribed by them ( and on their website ). I was denied a modification because of a previous modification and I was denied a forbearance with no explanation. XXXX options are listed on their website as available resources/options for clients in need of mortgage assistance, like my situation.

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 02-10-2017 about Credit card () with AMERICAN EXPRESS COMPANY (OH).
Issue: Advertising and marketing

Complaint: Hello, Back on XXXX XXXX, I was offered XXXX Bonus Miles of which XXXX would be XXXX if I upgraded from a Delta XXXX to Delta XXXX. This offer was contingent upon spending {$2000.00} on the card. 

I fulfilled the {$2000.00} obligation on XXXX XXXX. But now 2 months later I have NOT received those miles. I have repeatedly called your XXXX number and have found your agents are be very polite. But your back-end people and processes must be asleep because I have still not received my bonus miles American Express has NOT lived-up to its agreement. 

I would rate American Express a XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/14/2017 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I was attempting to move into an assisted living property because, I am a XXXX. I contacted the the phone company so that the phone service would be working by the time I moved. Unfortunately, after a few months of renovating so that my XXXX would fit the landlord decided to rent to someone with the family who was able to pay a higher rental payment per month. I let the phone company know in time before had to vacate the premises and payed the last month of service after canceling. It was simply an accident that I ended up finding out after all this time I was charged an extra month. I 'm being charged for service I never received. I would appreciate your assistance in any way possible with this matter. Thank you and XXXX bless you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2018 about Mortgage (Conventional home mortgage) with JPMORGAN CHASE & CO. (NY).
Issue: Closing on a mortgage

Complaint: At the closing of my mortgage XX/XX/XXXX I asked the Chase Mortgage representative, what is loan to value percentage I need to remove PMI if the house appreciates in couple of years. At that time he respond 78 %. I called Chase on XX/XX/XXXX to ask for an application to get my house reappraised since the value has gone up and they told me that ratio is now 75 %. I told them that was not what I was told and wanted to file a complaint on the person who had miss informed me. After be transfer 3 times and but on hold for over an hour. I asked the person in the originators office ( at least that is where I was told I was transferred to last ) if they have persons name so I can file the complaint. They said they can not give me that information, I asked if I can have the branch in which is filed so I can lodge a complaint on how they where miss leading customers they said they can not give that to me. I asked why ca n't you not give me the branch info and they hung up. Tried calling back and when I got transferred to the originators office and start to explain what happen they hung up again!

Bottom line, when you are dealing with Chase mortgage department make sure they show you the numbers and not just tell you them. Especially when comes to PMI because that information about how to get out of paying the PMI insurance is buried in the paper work and does not match what they say.

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (IL).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I was a student for XXXX XXXX XXXX in XXXX, MO and was led to believe that I would have employment assistance and a great salary upon completion. What I graduated with was XXXX in student loans XXXX half of which are federal ) and a " degree '' that no employer finds useful. Now I have ballooning student loans that keep me up at night because I 'm unable to make the payments. I have tried to contact Navient and am informed that there are no payment soutions for me under {$810.00} a month. Thats an obscene amount of money.

Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2017 about Credit reporting () with WELLS FARGO & COMPANY (SC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I received an alert on my credit report with the XXXX credit bureau XXXX XXXX and XXXX and notice incorrectly information on my correct report. I have contact the original creditor and they do not have my information into their system so this collection needs to be deleted off my credit report ASAP.

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 10/26/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Firstsource Advantage, LLC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: In XXXX of 2012 my identification mainly my social security card and Florida ID card was lost or stolen from my handbag and a sequence of accounts were open and checks cashed in my name. As soon as this was realized, I filed a police report ( see attached ). This account is unknown and was not opened by me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TN).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: XXXX has unlawfully allowed false inquiry on my files which i did not authorize. over five companies showing. furthermore remains non compliant with removal of : XXXX XXXX-not collecting XXXX  or XXXX XXXX-10years old account XXXX XXXX- disputed in full, unauthorized charges present XXXX-not collecting and no response XXXX- hostile torwards me, TILA violation, bureau non responsive in removal, atty hired served with other accounts for removal and keeps adding them back.

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 09/22/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (CO).
Issue: Account opening, closing, or management

Complaint: XXXX Citibank offered a {$400.00} bonus for opening a checking account and funding within 30 days. Citibank reneged on this promise. XXXX I submitted funding request together with account application. Despite the fact that I have been a customer for last 20 odd years, Citibank demanded further proof of address. This delayed their completion of EFT funding to 32 days. Now Citibank is denying payment of promised {$400.00} bonus.

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 07/20/2016 about Consumer Loan (Installment loan) with LendingPoint Holdings LLC (GA).
Issue: Shopping for a loan or lease

Complaint: I want to file a " Bait and Switch '' Complaint on Lending Point. 
The WEB SITE states : Can I Apply For a Lending Point Loan? 
Easy Questions To Help You Decide Am I at least 21 years of age? 
Can I provide a government issued photo ID? 
DO I have a social security number? 
Do I have a minimum annual income of {$25000.00} ( from employment, retirement or some other source )? 
Do I have a verifiable personal bank account in my name? 
Am I interested in a personal loan of {$3500.00} up to {$20000.00}? 

If you answered YES to these questions, let us see if we can help you rewrite your credit story. 
The Company refused me a loan based on low balance in Checking Account! Th Company MADE 15 requests for data and even told me I was PRE-APPROVED For {$17000.00}! 
The advertisement does not match their process, plus they requested bank account statements and recent history and and I believe those are privacy issues related to my purchase history and not germaine to application. I request enforcement action! Process Review, FINES, and ENFORCEMENT. Why dont they have to have an address posted? Their Telephone number 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 explanation
Consumer complaint received 04/25/2017 about Credit card or prepaid card (General-purpose prepaid card) with U.S. BANCORP (CA).
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint: My wife purchase d 2 {$50 0. 00} Visa Prepaid Gift Cards fro   XXXX   XXXX   XXXX   on  XXXX   XXXX ,   XXXX  , costing a total of {$1000.00 } ( {$5.00}  activation fee per card ). My wife provided the  Visa Prepaid gift ca rds to me, and I registered them under my name and address provided. None of the cards ' information was provided to anyone except for when used to make a payment fo r one of my wi fe 's hospital bills paid on  XXXX   XXXX ,   XXXX  . On  XXXX   XXXX ,   XXXX  , there w ere 3 fraudule nt charges detailed in this report.  Two charged tot alling {$480.00} was charged on prepaid card ending  XXXX .  One char ge of {$250.00} was made on card ending  XXXX . Total fraudulent charges is {$740.00}.      Two charg es were made in the city of  XXXX , CA at a  XXXX   XXXX  on  XXXX / XXXX /  XXXX    XXXX   XXXX   XXXX   XXXX   an d one charge  in the city of  XXXX , CA at a   XXXX   XXXX   on  XXXX / XXXX /  XXXX    XXXX   XXXX   XXXX   XXXX   based on online transaction data provided by   XXXX       Someone had prior knowledge of the account # of the prepaid visa gift card and was able to identify when the card was activated as it only took 2 days from day of activation to fraudulent use.     A current dispute has been file w ith US Bank  who issues these visa prepaid gift cards.     Based on a quick google search, there have been many instances of this happening to people who buy the variable load visa prepaid cards from primarily  XXXX  and other supermarkets. The cards are mostly th e black cards wit h purple gift box pictures on the packaging. BUYER BEWARE.     There is a current dispute with  US Bank, the issuer of the visa prepaid c ard, but due to the large amount fraudulently used, I am reaching out to CFPB to expedite the process as I need access to these funds quickly.

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 monetary relief
Consumer complaint received 05/17/2016 about Debt collection (Credit card) with D&A Services, LLC (IN).
Issue: False statements or representation
Sub-issue: Indicated shouldn't respond to lawsuit

Complaint: d & a services are trying to collect amount that is in ch XXXX XXXX original credit XXXX this is 4 time differ collection service.

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

Complaint: Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 

Going forward Equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 

This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected.

Company response to consumer: Closed with explanation