milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-08-2016 about Student loan (Federal student loan servicing) with AES/PHEAA (PA).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I applied for Income Based Repayment with AES for the 8th year in a row, and they did not apply it to my account. They have now capitalized the interest and sent me a past due notice. They are doing this so they can capitalize the interest which was pending due to my IBR status, then they can charge more interest due to the increase in the principle. I applied for IBR well within the time frame to prevent the capitalization event. They are doing this to get around the IBR rules and is Fraud! They tried to do this last year and I corrected the error then, but this is a course of business and has happened to several of my friends. This needs to stop, and is contrary to the law!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-02-2017 about Checking or savings account (Checking account) with ALLY FINANCIAL INC. (TX).
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint: I have an Ally bank checking account for years. For years I am been using the popmoney feature to send money to another Ally bank account holder without any issue. All of a sudden I was told by Ally bank that I can not do popmoney transfer unless i contact them. As i am busy - i tried to contact them via chat but i was told that i need to call them. 

I was not told why the hold is in place? 
I choose to send money by check to the sender. 
In the meanwhile - i got an email after few days that my popmoney will happen - what??? 

This is what i sent to them in secured message center message : Guys, Please be serious as you are dealing with real human beings ( customers ) and it 's all about money ( $ $ $ ). I was told that my popmoney transfers are on hold so i made the payment via check. Now after the check is done - i am simply getting an email that the popmoney transactions will be done. Now if you do the popmoney transfer - my account will be negative and it 's a lot of inconvenience. Moreover i can not send an attachment when i am sending secure email. Your customer service folks on chat are totally clue less. I am going to report to CFPB if at all I am getting any more issues. I want all the popmoney future transfer to be stopped and let the check gets cleared and then chatted with their customer service

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 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I have recently found out that my credit information has been compromised by the recent hack at Equifax. I went to their website today, XXXX17, and entered my information. The website stated that my information was compromised. They have released my personal information, including my name, address, and social security number to malevolent people due to their neglegence. There is even a chance that my credit card information has been taken. 

I have looked up my credit report at XXXX and it seems no suspicious activities are shown. But my sense of security has been violated and I will be constantly worried about identity theft from now on.

Company response to consumer: Closed with explanation
Consumer complaint received 12/17/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: This complaint centers around erroneous marks by the creditor " Capital One ''. I currently have a credit card with XXXX XXXX XXXX that has marked three late payments to the credit bureaus ; these late payments are not accurate and does not reflect my payment history with this creditor. I contacted " Capital One '' regarding my payment history and received no response.

Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2015 about Debt collection (I do not know) with NE PROCESSING LLC (PA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: On Friday, XX/XX/2015. I received a phone call at my place of employment from an extremely rude gentleman from NE Processing. He told me he needed to get " my defense statement '' because my file was going further, whatever that means. I told him I was at work and he could not call me there. I hung up. He then called my cell phone and my home phone leaving the same threatening message about a " substantial lawsuit against me ''. I have no idea what this is for. It sounds like a scam to me. He never explained what he was collecting for. He just threatened me with a lawsuit and criminal charges.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
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: At the end of XX/XX/2017, I sent a letter to XXXX XXXX XXXX XXXX asking for a debt validation regarding an alleged debt that was owed. I received a letter and an unsigned contract with my typed name in the signature area. 

However, since this was my first initial contact with this company I noticed that the company violated Section 807 ( 11 ) of the Fair Debt Collection Practices Act that requires a debt collector to inform a consumer in the initial communication with the consumer with the following wording on the letter " this communication is from a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose. '' The code refers to this an a mini-miranda disclosure. 

I sent the organization information regarding this fact ( certified letter ), and XXXX XXXX XXXX XXXX did not respond to the letter but sent me a similar letter ( attached ) with another unsigned contract. This is a blantant violation and request that the credit bureaus investigate this matter and if not resolved, that the account is deleted from my credit report.

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 06/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: InXX/XX/XXXX, while trying to purchase a vehicle, I was informed, by the bank that my score was different than that reported by XXXX XXXX for XXXX and XXXX. As a result, I was denied credit. XXXX score showed XXXX, Experian XXXX. the bank showed XXXX. I enrolled in XXXX to try and get a more accurate score. {$19.00} month subscription, plus {$29.00} to get all three reports. those scores have been consistent as to what XXXX XXXX was reporting, along with the score reported by my XXXX XXXX credit card, XXXX XXXX XXXX, and XXXX XXXX ( credit monitoring by XXXX XXXX XXXX ).
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After doing some things to boost the score. Yesterday (XX/XX/XXXX ) I checked my scores on XXXX, my scores were, XXXX XXXX, XXXX XXXX, and Experian XXXX. I went to XXXX XXXX XXXX XXXX XXXX to try and refinance my rv. With the scores showing on the XXXX site, I would have been eligible for the financing. I was informed by the bank I has an Experian Score of XXXX ( 98  point difference ) and was given a copy of the report. I was denied. I went outside and enrolled in Experian Credit tracking. {$20.00} a month. Their 3 scores were XXXX XXXX XXXX XXXX ( the only one in the above range ), and Experian XXXX ( not a XXXX ). I called the support line for Experian. She stated that there are 1000 's of scoring models and that the banks and dealers can essentially make up their own scores and they cant be held to the scores they post. she also stated, that in their system, there were 4 different models, one of which showed a XXXX score. I would have NEVER gone to an institution with a score sub XXXX. I have bought 3 new vehicles sinceXX/XX/XXXX. two were at 18 % ( with the same bank ) and the most recent, 16.1 %, which the dealer called and friend at the bank to do the loan. I got it refinanced last week at 12.99 %. I have had 1, 30day late payment in 5 years. yet my score stays hovering around XXXX. And banks see an even lower score than that. This scoring in costing me {$1000.00} 's in interest. I spoke with a credit repair lawyer yesterday after all this, he stated that I need to go into the banks KNOWING my score will be 50 to 70 points lower than showing.
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there are 2 scenarios that are happening 1 ) the credit bureaus are defrauding the customers by making issues for you to keep paying for their services.
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2 ) banks are not abiding by the fico score system they say they use to charge outrageous interest rates.
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3rd ) both I should see

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 04-10-2017 about Consumer Loan (Installment loan) with ENCORE CAPITAL GROUP INC. (NC).
Issue: Problems when you are unable to pay

Complaint: Thank you for taking the time to review my file and to help me with this matter of dealing with Midland Credit Management. To date, XXXX has a poor track record in regards to its collection tactics which have resulted in fines from the United States Government and from individual states as well. As of this year XXXX has had to pay close to one million dollars in fines and penalties due to their unlawful business procedures which violate the consumer 's rights. Their illegal actions have caused thousands upon thousands of consumer 's credit files to be tainted with negative remarks which includes myself. Please remove Midland Credit Management from my file so that I can restore my credit and good name back to where it once was. I thank you one again for your time and I look forward to having Midland Credit Management removed from my credit file. 

I have made 2 payments to Midland Credit management in an attempt to settle my debt after negotiating a lesser amount. They told me that the payment plan was voided due to non-payment. I can provide documentation showing that the charges removed from my bank account. I was then told that I could re-negotiate for a larger amount the initially agreed upon. 

After I told them I could prove that the payments were made, they changed the excuse and told me that I made a call on XXXX/XXXX/2017 requesting to void my contract. I asked them to review the recorded call and they would not. I ask the account manager to go back and listen to the call, as I never requested to void my current agreement. 

The company is now claiming I must pay off the debt in full, and have re-opened the closed account as a line of credit in my name. 

After doing a deal of research I have found this company to have committed unlawful acts against hundreds of other US citizens. The company has violated the Telephone Consumer Protection Act ( TCPA ) by using an automatic telephone dialing system to place repeated debt collection calls to cell phones without prior consent. 

Thank you for your time

Company response to consumer: Closed with explanation
Consumer complaint received 01-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AZ).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am a victim of identity theft. The following accounts are fraudulent, unauthorized and dont belong to me : XXXX XXXX XXXX, XXXX XXXX and XXXX/XXXX XXXX XXXX, with a balance of {$420.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2018 about Debt collection (I do not know) with Williams, Rush & Associates, LLC (DC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have requested that XXXX provide me with verification and validation but to no avail. This is not my debt and i never received any notice of this alleged debt. Now they continue to call and may threats

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/23/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MD).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I graduated this past XXXX, officially in XXXX, prior to that my Navient account was being forbeared by paying {$150.00} which was supposed to go to all my loans. However, the loans originally written through XXXX XXXX were special XXXX XXXX loans where the parent was the parent borrower and their income/credit was the basis of obtaining the loan. The student was listed as the student but still responsible for the loans. There are a total of XXXX smaller loans with Navient, however, when I was paying the good faith payment to protect the credit reporting, they did not cover all the loans because they were not brought over from XXXX XXXX with my name being attached to them all. Apparently this loan type is no longer offered because of its complex nature of not proving the student was in school. Now I have graduated and have attempted to consolidate these loans, but constant negative reporting while in school ( the grace period ran out because I took more years to graduate ) makes it difficult to be eligible for anything. Additionally, between my parent and myself, never got information on all the loans over the phone because of the way they separated in the system. So some representatives gave incorrect information because they did not look in all places. 

Although there were special programs available, I was not told about those until after my account got extremely delinquent. Now I am enrolled in a interest rate reducing program which is helpful, however, Navient still reports the loans at delinquent, and a letter for setting up the program states they will continue to do so until the qualifying payments are made. You have to make XXXX automatic payments in XXXX consecutive months in order to fully gain entry into the program. My issue is that I started with a credit score in the high XXXX, in 4 months of successfully paying off credit debt, paying student loans, due to being gainfully employed, I was nearing a credit score in the high XXXX, and easily would be in XXXX range by next year. Now in XXXX month, it has dropped XXXX points. And will continue to drop at such a large rate, that despite being on time with my agreement and payments across the board, I will be penalized for this. In addition, despite being in the program, you still receive calls upwards of 3 times a day. No one there seems to share information which would be helpful to those who are attempting to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I made a timely appeal request and no written determination has been issued to date. This means, as a matter of law, until a written determination of an appeal is issued to the borrower, the modification process that began in XXXX can not be considered concluded. Therefore, Bank of America is required, as a matter of law, to keep a single point of contact ( XXXX ) assigned to this home loan account as I am still considered active in the modification process. 

On XX/XX/XXXX Bank of America is not following XXXX and other guidelines when it comes to incorrectly denying a borrower a HAMP and, instead, is trying to force me to restart the modification process rather than agree to settle for their misconduct throughout the modification process. 

I have repeatedly informed Bank of America I will not restart the modification process that I began in XX/XX/XXXX for which they have confirmed multiple times. Yet, Bank of America continues to harass me on this point. 

Bank of America has no standing to commence any separation processes or procedures such as foreclosure, but refuse to settle for their wrong doing. 

In the mean time, Bank of America is reporting to credit collecting agencies default on my mortgage loan while at the same time not taking any action to resolve the matter whatsoever other than harassing and threatening me time and again. 

Bank of America also keep on deleting and altering documents from the Online Borrower Portal. This is wrong on so many levels including their duty to preserve evidence and protect my personal and financial information. There is no excuse to be had on this point. 

Simply put, it has not cost Bank of Almeria any penalty they are not willing to pay when caught in the act of their wrong doing when it comes to the modification process.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2017 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (KS).
Issue: Struggling to pay mortgage

Complaint: I am behind on my mortgage there is a current complaint ongoing with Ditech and XXXX XXXX XXXXXXXX. I received a letter for Ditech stating that my request for assistance has been denied because the application was not complete.The issue is I have not submitted the paperwork. I have not received the application yet. I was sent an email but the attachment ca n't be opened. I contact Ditech on XXXX XXXX and was told the would mail on they could email it (? ) it would take 10 days I still have not received the application. I compiled all the information needed i.e. pay stubs, bank statements hardship letter, but do not have the application.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 10-07-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Closing/Cancelling account

Complaint: We were making payments to our credit card capitol one, we were having a finacial hardship. I was on unemployment until i was called out of town for work, my wife is on the account to manage and make payments. My schedule was XXXX XXXX hour days, at a power plant in Washington XXXX. My wife XXXX tried to contact capitol one to freeze the account for legal by law, they refused to help us being that I could not make the call myself i gave a verbal to Capitol One she had binding right to change or contact Capitol one for me, they refused and sent my account to coolections. Now they are demanding payment we can not afford. Had we been given the chance for the freeze, this would have been diverted.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Problem with fraud alerts or security freezes

Complaint: Equifax website says that my information may have been part of their breach. They are still charging me to freeze and unfreeze my credit reporting. This is outrageous! They should freeze my credit and not require I pay them to do it, they were at fault.

Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Porsche Financial Services, Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Hello, I have been disputing a XXXX auto with XXXX for some time now. This account is past the statute of limitations for California XXXX 7 years from XXXX, which is XXXX ) XXXX  and XXXX have followed the FCRA and removed the account but XXXX  refuses. I spent over XXXX hour on hold to be told they could do nothing more then dispute it which I have done XXXX times over the last 2 years. XXXX is violating the law by updating the XXXX to XXXX, which is incorrect as I have had XXXX communication with this company since XXXX. XXXX tells me that they can only go by whats reporting and XXXX is not violating any laws by doing so. I have applied for a home loan and was denied do to the XXXX account and the XXXX balance owed. Please help me rectify this situation as they are clearly breaking the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-09-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (OK).
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint: Made a XXXX card payment on of {$3000.00} on the credit card that has a limit of {$5000.00} on XXXX XXXX. leaving {$1300.00} of debt still on it. The payment cleared the bank on XXXX XXXX and the XXXX card company did take it off my card balance but will not let me make any other purchases for 10 days until they say the payment has cleared or they can up my credit limit which I do not want to do. I talked to XXXX on XXXX XXXX in card management. And yet it cleared the bank on the XXXX electronically. Is this a ruse to up my credit line and use my money but yet not allowing me to use it?

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 03-05-2016 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (FL).
Issue: Account opening, closing, or management

Complaint: Wells Fargo continue to charge me late fees on a vehicle that was totaled loss on XXXX XXXX, XXXX and the payment on the account was due XXXX XXXX, XXXX. This was a vehicle that had been refinanced through Wells Fargo. My insurance paid the vehicle off XX/XX/XXXX and the remaining balance was paid in XXXX XXXX all but XXXX. Wells Fargo has charged off on account on XXXX XXXX, 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 05/23/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (PA).
Issue: Account opening, closing, or management

Complaint: Bank of America Close my account not under the terms and aggreements written at the time of opening my account.

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