milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/15/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (WA).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I have federal stafford loans from undergraduate and graduate degrees between XXXX, I have been repaying these loans continuously since that time. I recently started law school XXXX XXXX XXXX XXXX and FedLoan recently put my loans in deferment without first contacting me. The deferment prevented my autopayment from being applied and my loan balance ( and therefore interest ) increased. I have called XXXX times in order to have the loans put back into repayment, and still have no guarantee that it will remain that way. 

First, I spoke with XXXX XXXX XXXX # XXXX ) on XXXX/XXXX/XXXX at XXXX XXXX. She said that I would need to mail in a paper form in order to waive the deferment, she said that it could take several weeks for that paper form to be mailed to me and that there was no other way to put the loans back into repayment. The form did n't come and I called again. Second, I spoke with XXXX XXXX XXXX # XXXX ) on XXXX/XXXX/XXXX at XXXX XXXX. She said that she could process the deferment waiver over the phone and did so then and there. After working with her, my loans were placed back in repayment and my regular autopayment was scheduled. 

Yesterday ( XXXX/XXXX/XXXX ) I received an email stating that my loans were placed back in deferment, I called again and spoke with XXXX ( XXXX # XXXX ) on XXXX/XXXX/XXXX at XXXX PT. She said that the computer system will automatically reset the account to deferment, per XXXX XXXX XXXX rules, and that she could put it into repayment, but that it might be changed back again. I told her that this was unacceptable and a waste of my time to be calling, waiting on hold, and asking my account to be continually switched back into repayment. She said that it was the way the computers were set up and that there was nothing to be done about this. 

This is an unacceptable answer. XXXX charges me thousands of dollars every year for the pleasure of servicing my loans, and the least they can do is follow the law and do what borrowers ask them to do the first time. If their computer systems are set up improperly, they are responsible for fixing them. This is the last time I will be calling. If I continue to have further issues with my loans being placed in deferment, and autopayments being missed, I will not hesitate to refinance my loans with another servicer.

Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2016 about Debt collection (Credit card) with STONELEIGH RECOVERY ASSOCIATES, LLC (CA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: On XX/XX/2016 Stoneleigh Recovery Associates sent a letter detailing a debt they say I owe. 
On XX/XX/2016 I sent a response in which I denied the debt, asked for verification and specified DO NOT CALL. 
On XX/XX/2016 they sent a packet of paperwork regarding a XXXX credit card account in an attempt to validate the debt per my request. 
On XX/XX/2016 at XXXX Stoneleigh representative called my phone and denied receiving a response to their original contact wherein I denied the debt and told them in writing DO NOT CALL. 
The caller refused to allow my assertions and was very argumentative after I told him numerous times to contact me by mail only. The caller was becoming abusive and I felt no other option at that time other than to just hang up on the caller.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/13/2015 about Mortgage (Conventional fixed mortgage) with BAYVIEW LOAN SERVICING, LLC (FL).
Issue: Loan modification,collection,foreclosure

Complaint: owner XXXX XXXX file compliant against bayview loan servicing for predatory lending practice. hoepa home ownership and equity protection act of 1994. and tila truth in lending act violation of both hoepa and tila 1 ) high interst rate 2 ) high escrow charges fees and unreasonable late fees respa real estate settlement procedure act 1 ) past due amout and excessive charges unearned and duplicate fees violation of section regulation x improper charges and improper fees. owner request to publish this information to other victims if you are interested in bring a class action lawsuite against bayview loan servicing please be willing to sign petitions and call me XXXX at XXXX thank you

Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (VA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: My credit card had over 20 fraudulent charges at several gas stations in Florida. I immediately called Bank of America to have the card cancelled and the charges reversed, which they did. A month later, the charges were back on my card. Bank of America said they will reopen the case, but they said the investigators are arguing they are valid charges.

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 03-01-2018 about Checking or savings account (Checking account) with CITIZENS FINANCIAL GROUP, INC. (NY).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: I went to branch to open a new checking account with a bonus code today, XX/XX/2018, at XXXX, and this account was successfully opend at around XXXX, and the banker gave me a welcome document case and told me how to sign up for the online bank. I went home around XXXX and tried to set up the online banking. Then I found the banker typed my cell phone with a wrong number, so I could not receive the text message. So I reqeust log in with security questions, and reset my cell phone numbers, then I was able to log in. But, the most ridiculous thing was, around XXXX, I received an email said " Access Denied for Funds Transfers '', so I tried to log in to my online banking again, and the system stated that my log in information did not match with the records. So I called the online banking department, and the representative told me that my checking account was already closed out based on the bank 's decision. It turns out that my checking account only survived for no more than 5 hours, and the bank just eat my two initial deposits and my bonus coupon code and killed the checking account at the same day due to the typo from the banker?!

Company response to consumer: Closed with monetary relief
Consumer complaint received 08-07-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (LA).
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint: I have received so many call about student loans.. and have spoke to someone and that said the took care of the issue since I have made arrangement. Yet I still get call. Just to also find out that they were also calling my mother 's house.

Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2017 about Debt collection (I do not know) with Diversified Consultants, Inc. (NC).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: XXXX called XXXX XXXX have put a collection on my credit report for {$450.00}. I have never heard of this company and I do not owe them or no XXXX else money. This is not my debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/20/2015 about Money transfers (Domestic (US) money transfer) with Empowerment Ventures, LLC (MO).
Issue: Money was not available when promised

Complaint: I have had a Rush Card for the past 2 months with no problems. On this past week my payroll deductions did not go onto my card. I have called several times to speak with customers service but i get no answer, the phone hangs up automatically.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09/27/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (CA).
Issue: Account opening, closing, or management

Complaint: I received a targeted promotion in XXXX, 2016. The offer code is XXXX, which is earn XXXX AAdvantage bonus miles if I open a Citigold account and with in 60 days complete : 1. XXXX qualifying bill payment for XXXX consecutive months 2. spend {$1000.00} in purchases using the Debit card I signed up for the account at the end of XXXX, but I did n't receive the debit card and pin until early XXXX. 
I had less that 30 days left to complete the XXXX requirements and it was impossible for me since XXXX of them ask for XXXX consecutive months. 
I chatted with the Citi online representative in late XXXX and was given until the end of XXXX to complete all the requirements. I did complete all the requirements in XXXX and I did the online chatting again, the representative confirmed about the extension and that I completed all the requirements in time and I will be rewarded automatically. 
Over 3 months have passed, there is still no bonus miles posted as promised. Citi wo n't acknowledge the extension I was given and insist I did n't complete all the requirements in XXXX. 
If Citi do n't correct this dishonest mistake upon this complaint : 1. I will pull all my money from Citi, which is over XXXX USD. 
2. I will write to the Citi Executive office. 
3. I will publish the story and all the evidences I saved to public media. 
4. I will write to the State senators ' offices. 
Please check the online chat log on XXXX XXXX. It will prove that I was given the extension until the end of XXXX to complete all requirements.

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 12-09-2015 about Credit card () with AMERICAN EXPRESS COMPANY (FL).
Issue: Identity theft / Fraud / Embezzlement

Complaint: My wife asked at a hotel desk for a cab to go to the local XXXX XXXX in XXXX XXXX MD. 
The desk clerk told her, " We have our our own service '' The boss of the limo service she called knew when the clerk called him that my wife wished to go to the XXXX XXXX, a {$24.00} fare with tip. Without asking permission to do so, the driver of the limo which the boss assigned took my wife all the way by side streets to XXXX for {$84.00} including tip. She was unfamiliar with the area. As she was alone in the car, she paid with a credit card in order to avoid confrontation. We are nit disputing that she was the one who signed the charge. We believe that the driver " took her for a ride '' by deception. 
Afterward when we complained to American Express about the deceptive practice, they simply sent us a copy of the driver 's charge signed electronically by my wife and said it was an authorized charge. We felt that it was deception and continued to generate supporting letters to the American Express Fraud Department trying to explain what happened. Each time American Express sent us the same unsigned form letter denying the complaint, along with another copy of my wife 's signature, claiming that the driver stated it was a valid charge. It seemed that American Express did not ever once even read any of the documentation about the deception. After the third denial we would like to escalate this dispute as American Express is completely unresponsive.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Equifax BLATANTLY IGNORED MY REQUESTS that they are FRAUDULENTLY as a company reporting inaccurate information on my Credit Report. I 'VE REPEATEDLY MADE THEM AWARE THAT I AM A VICTIM OF IDENTITY THEFT because of IDENTITY THEFT from the US OFFICE OF PERSONNEL MANAGEMENT DATABASE BREACH, and sent them copies of my XXXX County Sheriff 's Office police report and my FTC Affidavit, and they have IGNORED my requests to block and remove simple information from my report for SIX STRAIGHT MONTHS!!! I 've talked with Managers, sent online disputes in addition, and spoken to managers and employees at Equifax who PROMISED TO HELP ME but live in XXXX and the XXXX and are NOT even on USA soil, and NOTHING is being done! I sent Equifax the FINAL NOTICE that they WILL be served by the XXXX COUNTY COURTS FOR NEGLIGENCE against the Fair Credit Reporting Act for things listed on my report that are NOT MINE. I have included letters being sent to the FEDERAL TRADE COMMISSION AND THE CONSUMER FINANCE PROTECTION BUREAU, AS WELL AS THE ATTORNEY GENERAL OF FLORIDA, WHICH HAVE BEEN NOTIFIED THAT EQUIFAX BLATANTLY IGNORED my requests for SIX STRAIGHT MONTHS! 

I will further remind Equifax that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), they may be liable for their willful noncompliance. 

THE FOLLOWING ARE NOT MY XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXXMY CORRECT LEGAL ADDRESS IS : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX , XXXX   XXXXMy CURRENT LEGAL EMPLOYER IS : XXXX XXXXPosition : CEO Location : XXXX XXXX , XXXX Employed since : XXXX XXXX - PRESENTTHESE ACCOUNTS ARE FRAUDULENTLY REPORTING : XXXX Acct # XXXX XXXX/XXXX/XXXX $ XXXXXXXX XXXX XXXX XXXX Acct # XXXX XXXX/XXXX/XXXX & XXXX/XXXX/XXXX $ XXXX XXXX XXXX XXXX Acct # XXXX XXXX/XXXX/XXXX {$260000.00}? XXXX and XXXX have both removed this from my report 5 months ago!!! Failure to respond within 30 days of receipt of that certified letter will result in small claims legal action against Equifax at my local venue. I will be seeking a minimum of {$10000.00} in damages for:1.Violation of the Fair Credit Reporting Act ( including but not limited to Section 623 ( a ) ( 8 ) ) 2.Violation of the Fair Credit Billing ActEquifax will be required to appear in a court venue local to me, in order to formally defend yourself.Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. XXXX  and XXXX  have both removed this from my report 5 months ago.

Company response to consumer: Closed with explanation
Consumer complaint received 11-04-2016 about Student loan (Non-federal student loan) with SLM CORPORATION (PA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I graduated in XXXX of 2016. I earn $ XXXX full time. I have government loans as well as {$85000.00} in Sallie mae private loans. There are XXXX loans total with separate payments. The total of the XXXX loans is roughly XXXX month payment with interest rates as high as 10.5 %. I can not possibly make this payment. My cosigner is my mother and she can not assume this payment because she is taking care of my step father who has XXXX and they have medial bills. Sallie Mae 's only offer is forbearance or interest only which forbearing my loan would not help since my income is what it is right now. I am in a year lease where I work and can not move. Interest only payments would be almost as high as my standard payment. Sallie mae only allows 10 year standard. If it could be drawn out to 20-25 years, it would definitely be doable, and my cosigner could help as well. We have exhausted all refinancing companies, with denials from all. I do not have any credit right now since I just started working, and although my mother has outstanding credit and credit history, she is denied because of her debt ratio ( because of my loans ). I really, really need help extending these loans out to 20 years. I know I have an obligation, but there is no way I could possibly pay XXXX. Sallie Mae will not work with us on this. Not at all. We have even gone so far as to look at bankruptcy or a debt relief program. Please, please, Sallie Mae ... ..I know you want your money, why wo n't you work with us? Extend my loan, you will get your payments. Please help us. I have XXXX in government loans, but they will let me use an income based payment. My mother has XXXX Parent plus loan which she consolidated to lower her payments as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: My complaint involves XXXX XXXX XXXX in XXXX. I applied for an auto loan through XXXX, and shortly after I received a call from XXXX XXXX ( not sure of spelling ; her direct line is XXXX ) at XXXX XXXX ( XXXX of XXXX ) preferred dealers. I was told that I had been approved ( APPROVED, not PRE-APPROVED ) for a {$35000.00} car loan with no money down, but they could only discuss details such as LTV ratios or interest rates with me in person. She assured me they had a lender with an approval. I arrived at the dealership, and was immediately asked to fill out a credit app - I was told this was to make sure I was who I said I was. They ASSURED me that they would not run my credit or submit to any banks. Then they appraised my trade and the sales guy said he could n't tell me how much they were offering because his boss keep that all secret. Next, they tell me I can no longer get the used XXXX I wanted due to the LTV and would have to get a new Altima. At this point I had to get back to work, and the plan was for me to return to the dealership around XXXX to finalize the paperwork. At XXXX, I phoned the sales man, and he refused to tell me anything at all - not how much my trade was worth, or even a range of what my monthly payments might be. It 's an XXXX drive from my office, and I smelled a rat, so I decided not to return. I just got home from work and saw that the dealership out about XXXX hard inquiries to banks while I was in the waiting room earlier in the day. What a scam. They lied about the loan approval for the sole purpose of getting me in the door ( over an XXXX drive each way ). It appears to me they are running a special finance cattle call. 

Deceptive Trade Practices & False Advertisement - They never DID have a lender or an approval. My guess is they lied to get me in the door and figured they 'd find a way to sell me a car once i was physically there. 

Truth in Lending - They submitted credit applications to over XXXX banks. I 've asked for copies of what they sent to the banks regarding my applications, and was refused access. I am accusing them of submitting false credit applications on my behalf.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2016 about Credit reporting () with Experian Information Solutions Inc. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: XXXX, This account : 1. Is missing its balance history for the duration of the time the account has been open 2. Is missing Payment Data for XXXX, and XXXX of 2015 when this account had Payments ( Hence the open never late status ) 3. The recent Payment Amount is = XXXX, and should not be. 
4. Has erroneous comments added - to this and almost all of my accounts. 
Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ). 
Reinvestigation information This item was updated from our processing of your dispute in XXXX 2015.

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 09/15/2016 about Mortgage (Other mortgage) with Caliber Home Loans, Inc. (AL).
Issue: Loan servicing, payments, escrow account

Complaint: THIS IS NOT A DUPLICATE COMPLAINT TO XXXX. I c.c., the CFPB, in efforts Caliber Home Loan, be held accountable, and to document on record, illegal the and unjust activities that exist to date. There are payment errors, escrow errors, fee errors, servicing errors, payoff errors, and foreclosure errors, that need to be addressed. 

I also requested, a complete servicing file, a copy XX/XX/XXXX and XX/XX/2015 mortgage statements. A itemized reinstatement, and for all errors to be fixed on account. I am also attached some additional, inquires, and notices that I have sent to Caliber, that have yet to be addressed or acknowledged, I will also be fowarding them to additional, state and federal agencies. 

Caliber continuously refuses, to properly address loan, lie, blatantly ignore, and disregard, multiple state and federal laws. There are many issues that continue to date, in which additional complaints will follow.

Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (FL).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: I co-signed on a student loan and am the only one paying for they ca n't find the original borrower. I spoke with my account rep and explained the hardship after being threatened of being sued. I was told that I was enrolled in the XXXX XXXX XXXX forgiveness plan and the payments were set up for a year and 2 months at {$130.00} for 2 loans. I met the requirements by setting up automatic payments through my checking account. I was told that once these payments were completed that would be it ... .no more student loans. Now, I 'm receiving phone calls and emails about re-enrolling in a rate reduction plan and that I must have misunderstood because there 's no such thing. Loan Forgiveness is only for federal loans not private. I voice my disapproval and concern about being lied to but got no where. I finally agreed to set up payments through this rate reduction plan and was told that it was only for 6 months but the plan required 12 months of payments. I was also told that this is a step program and that the payments were definitely going to increase. The payment was to be automatic from my checking account in the amount of {$160.00} for 6 months and then the remaining six payments would be {$340.00} per month. I expressed that I could n't afford that and would not agree to a pre-recording a message that stated that. I was unable to workout a suitable or affordable payment plan with them. I am continuing to call in hopes of finding an understanding rep. 
Also, I have read that there is a lawsuit involving Navient and CFPB. I am interesting in being apart of the lawsuit.

Company response to consumer: Closed with explanation