milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-01-2017 about Student loan (Private student loan) with DISCOVER BANK (PA).
Issue: Getting a loan
Sub-issue: Denied loan

Complaint: I am in a XXXX program for XXXX XXXX studies. I applied for an XXXX loan at Discover and was denied because I am not a degree-seeking student. I called Discover back for the second time and spoke to a woman on the phone and explained all of these details in depth to her. I explained I was technically a XXXX XXXX, was technically an XXXX but already had my degree, etc. We spent I would say 10-20 minutes on this recorded phone call. In the end she said Discover could in fact help me out based on that information and to go ahead and apply for a XXXX loan. I did so, was approved, and had my mother co-sign on the loan. Because of this we each had hard credit checks ran so we have added inquires on our credit reports. After more time I did n't have to lose financially had lapsed and some added pressure on my school, I found out that Discover in no circumstances whatsoever loans to XXXX/non-degree-seeking students. On top of that, Discover themselves never sent an e-mail with the information that I was denied or sent an account notification that would have generated an e-mail. I now have no student loan, have to apply somewhere else again, lost precious time, and an extra inquiry on my credit report all because of a Discover employee. I expect the company to do anything they can to retract the credit inquires from the companies as to not damage my credit score and that of my mothers.

Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2015 about Debt collection (I do not know) with Solidus Group LLC. (FL).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: Have received numerous calls at work and at home that are threatening and often during none business hours. Threats include jail, contacting my employer, visiting my place of employment. Another stating it is from XXXX dept. threatening to file a law suit and that the alligations were serious.

Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2016 about Student loan (Non-federal student loan) with BMO HARRIS BANK NATIONAL ASSOCIATION (MN).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: BMO Harris Bank paid part of my tuition while I was working for them. The contract stated that if I leave the company within three years of tuition assistance, I may be responsible for a portion of the balance. I stayed for almost three years and they charged me the entire balance. When I attempted to negotiate, they sent the debt to a collection agency. Now it 's reporting on my credit as an uncollected debt.

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 08-11-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I contacted XXXX and tried to make arrangements to settle account, as i was in process of purchasing a condo in Va. we verbally agreed on a {$500.00} settlement paid in full, of which i let them automatically had them take out of my checking acct. the amount of $ XXXX.The bal was to have been paid on the following month. During the time after the first payment i received a letter stating i had a bal. of {$710.00} I made a phone call to them and was told that the amount on the letter was standard, to which i replied this amount was not our agreement and where does it state my initial payment, and the settlement amount we agreed on. In my opinion they reneged on the agreement therefore i am of the impression they lied and pulled a scam.My Payment of {$45.00} to me is debt paid in full ...

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (CT).
Issue: Loan modification,collection,foreclosure

Complaint: My home is in foreclosure with a law day set and I received an email from loan servicer stating that I have been approved for a loan modification. This email is dated XXXX/XXXX/16 and their deadline for returning the application is XXXX/XXXX/2016. I am not in receipt of the documents which the loan servicer said would be sent U.S. mail!!!! I believe I am a victim of " dual tracking ''.

Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with CONRAD CREDIT CORPORATION (NY).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: In 2012 I did get a call from a travel company ... With thier good sales skills they had me interested in signing up with a company XXXX ... We discussed many things about the company " XXXX XXXX XXXX XXXX '' but when it came down to business they was sending me a bill saying I owed money when we agreed on paying the first payment being 45 days after I signed up ... I gave them my credit card information and also called when I did n't see payments being removed ... I even reached out to them in phone calls and emails ( which I still had saved ) and no response ... Then a few months later they put me in collections ... I never even used anything in the travel club but they put it in collections and recently I saw the amount increased in my XXXX for another {$700.00} now it is up to XXXX dollars ... I want this company removed off of my credit ... Like how can you put something in collections and never send out one mail stating you owed a debt ... I never received a letter for Conrad credit Corp but they took over " XXXX '' depts.. The reason I know this is because I called once asking what is this on my credit and they mentioned this to me ... I would really appreciate if this company is removed off of my credit ....

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Servis One, Inc. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I am XXXX years old, in the last 5 years I have had XXXX. I have XXXX, the list goes on. I recently applied with BSI Financial for a modification review and they just informed me that the investor said they are unable to help because not enough time to review my modification package. I informed the agent of my health issues and how it took me some time to get my documents together and they did not care. The agent at BSI informed me that they are not giving me any options to foreclosure. I begged and pleaded with them and my cries went unanswered, I know my day is coming I just want to die in the comfort of my own house. In a few months I would qualify for a reverse mortgage if I do n't die before then. Please do n't let this bank and heartless investor kick me out to the streets to die alone homeless. I simply ask that they postpone and review the package that I sent in to them. They did not even bother to ask me about my financial situation or anything, they are violating my CA Homeowners Bill of Rights. Please do not let them violate CA laws and further slap in the face with the way they are discriminating against me for my XXXX and Age.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2017 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services (IL).
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint: They XXXX 's said they closed my card out now saying no but basically holding me to things I never ordered received n refusing to close the account I 'm now getting threatening letters to take action vs a  identity theft victim XXXX which is wrong.i do n't owe XXXX 's n they sent me letters stating so I do n't know what their new position is but it 's not gon na fly vs me

Company response to consumer: Closed with explanation
Consumer complaint received 09-05-2017 about Debt collection (I do not know) with Debt Recovery Solutions, LLC (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account in question in the amount of {$300.00} that you have been reporting negatively on my credit report without proper notice. You do not have permission to contact me by physical mail, phone, nor e-mail. All documentation may only be uploaded through this portal. If you can not provide adequate documentation showing that I have ever done business with Debt Recovery Solutions with my signature on it than you must remove this negative tradeline from my credit report at once. Debt Recovery Solutions did not follow through with the proper notification before placing this debt on my credit file which is against the law. If this tradeline is not removed Debt Recovery Solutions is subject to have legal action taken against them.

Company response to consumer: Closed with explanation
Consumer complaint received 11-05-2015 about Debt collection (Payday loan) with Solidus Group LLC. (OH).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: A Representative claiming to be from XXXX XXXX from The Solidus Group, LLC contacted my father and proceeded to not only tell him about my debt on an outstanding loan, but give balances, and a case number. He told my father that he was going to have me arrested and would charge me with criminal charges. 
When I finally was able to get in contact with someone ( they have a very impenetrable phone system ), the man who answered told me I was wasting my time calling without an attorney and they would see me in court. He kept cutting me off and telling me I was willfully trying to fraud the lender. When he eventually stopped talking long enough for me to get a declarative sentence out, he transferred me to a female collection agent who told me I had to pay with only a debit or credit card. After taking my information, and setting up XXXX payments for half of the balance, she hung up. I tried calling back several times. I then attempted to contact the next day where the original gentleman who contacted my father told me I had better let all of those payments I set up go through or they would " see me in court and charge me with criminal charges ''. I attempted to ask for him to validate the debt or send some information in the mail, but he, like the first guy I spoke to, kept cutting me off and hung up. I called back but the number immediately went to voicemail. I have never been contacted before by these people and have received no notices in the mail or anything about this outstanding loan from either the original lender or this so called third party collector. Proper collections protocol was NOT FOLLOWED in the slightest. FURTHER MORE- when I was told that this was going to court no information or formal summons or complaint of writ was sent to me.

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

Complaint: Today, Friday XXXX XXXX, 2017, I discovered that my personal information, including social security number, was leaked in cyber security breach at the credit agency Equifax. This shows, at best, incompetence, and at worst, negligence in regards to the company 's duty to safeguard consumer personal information.
I also learned that this breach occurred some time ago ( about one month ) and those of us affected were not notified in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (KS).
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint: I have not been able to open a checking account in years I have no ideal why this is happening. Had fraudulent banking account activity from XXXX XXXX on my credit report a few years back that has since been disputed and removed from my report I have tried to open checking accounts with XXXX XXXX XXXX XXXX who also did a credit report that I did not authorize bank of america also did an unauthorized viewing of my credit report they have also send me an email stating they will contact me through email when my account has been approved have yet to receive that email I have also tried to open up checking account s with several other banks which have also obtained my debit card information social security number and unauthorized credit reports and denied me an account there after.

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 05/17/2017 about Debt collection (Other debt) with Ability Recovery Services, LLC (AZ).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I received a letter dated   XXXX   XXXX    2017, and  called the  Ability Recovery Services LLC to pay the debt. The original amount was {$69.00}, and they sent me a   collections notice for {$83.00}. I called to pay the {$83.00}, and was told they already sent my account to collections. I paid the " {$83.00} '' and completed my call. After a couple minutes the receipt came through on my email and they charged me {$88.00}. I called multiple times and the phone number no longer worked. I   XXXX    another number for them and called, and they told me that they charge everyone an additional {$5.00}, although they do not tell people. I was sent to multiple different people and they told me that the additional fees were not charged by them, but by the   XXXX   XXXX   XXXX  . After talking to the   XXXX   XXXX   XXXX   XXXX   XXXX  , she advised me they do not charge additional fees other than a late fee, which brought my account to {$71.00} and some change, and that the other fees were the collection agency. I told the collection agency that I did not authorize an additional {$5.00} fee to be charged to my credit card, and no representative told me they would charge my card an additional fee. After being passed around and put on hold for a lmost 20 minutes, they finally told me everyone was out of the office for the day and to m aybe try calling back tomorrow. Charging my card for an unauthorized amount is illegal, and it is not my fault that their representative failed to tell me there were additional fees on top of the fee that was sent in the collection notice.

Company response to consumer: Closed with explanation
Consumer complaint received 08-06-2015 about Bank account or service (Checking account) with CITIBANK, N.A. (TX).
Issue: Account opening, closing, or management

Complaint: Banamex USA involuntarily closed my account. I have been awaiting to receive the balance of my account for more than XXXX days. Although I am informed that a check was mailed to me, I have not received it. Now I am informed that I need to request a replacement check which will not be issued for another XXXX days.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (ID).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I have a credit card with Chase. I also have  XXXX  & am in school full time, so my wife agreed to pay our bills. This is the second time she has been late making this payment in 4 months, which is rare. We mailed a postmarked payment on the  XXXX  of  XXXX   XXXX , the payment was due on the  XXXX , but the company did not receive it until the  XXXX . They charged a late fee. I called the company to get the late fee dismissed but they told me they only give  one  of those every 6 months & I already had one in  XXXX   XXXX . I was informed that federal law protected consumers in the   XXXX   XXXX     Postmark Payment Protection Act    XXXX . I called the company back with this information & was told that bill was only introduced by Congress but never ratified into law. My family is striving to meet our demands on a fixed limited budget to get through school. This late fee has come as an unexpected surprise to our finances. We strived to make our payment on time, but we had no idea that the mail takes so long or that these protections are not actually in place. Please help!

Company response to consumer: Closed with monetary relief
Consumer complaint received 12/17/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Using a debit or ATM card

Complaint: bank of america contacted me to say my debit card had been compromised and closed the card. i called the fraud department and theywent over the charges that were not mine and i rcived a credit the next day. 
on XX/XX/XXXX i looked at my account and saw they took the money back and called them the associate told me to give him a couple of miutes to readthe notes but did not mute phone. 
He read the notes from the screen out lould saying i was being denied because i showed no signs of urgency, i was not upset and did not put to much intrese in the situation so he came back and said te claim was closed and if i wanted to reopen i have to fax in a letter and gave me the numer. 
I find this unfair, degrading and ilegal that they contacy mr knowing the charges are fraud and then acuse me of making them becaus i dont get worked up. 
clai # XXXX and claim # 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 monetary relief
Consumer complaint received 01-11-2018 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Struggling to pay mortgage

Complaint: the problem is nothing bank loan for me because this foreclosure. i XXXX i need buy home by me condition/I HAVE XXXX THE 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 02-04-2016 about Consumer Loan (Installment loan) with Enova International, Inc. (FL).
Issue: Taking out the loan or lease

Complaint: on XXXX 2016 i received an email with a " thank you for your application '' from cashnetusa.com on XXXX/XXXX/2016 i received 3 more " consecutive emails '' from the same sender, stating that my loan was 1 : approved, 2 : my loan was being processed and 3 : my loan was deposited. 

i did not take any loan out, XXXX dollars was deposited to my bank account without my authorization. nor did i ever create nor sign up for an account with cashnetusa.com or any other cash or load service like these online things.however, i recently signed up for XXXX XXXX cvard via XXXX to purchase a laptop, i am not saying XXXX has anything to do with it, it this started after that and it brings up a concern.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 01-02-2017 about Student loan (Federal student loan servicing) with AES/PHEAA (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I have XXXX consolidated student loans, both of which are serviced by FedLoan Servicing. XXXX loan is a Direct Subsidized Consolidation Loan and the other is a Direct Unsubsidized Consolidation Loan. The monthly payment amount for the Direct Subsidized Consolidation Loan is {$210.00}. The monthly payment amount for the Direct Unsubsidized Consolidation Loan is {$310.00}. The total monthly payment amount for both loans is {$520.00}. 

Currently, and throughout all of 2016, I was enrolled in a Direct Debit program through FedLoan Servicing for both of these loans. Each month, {$520.00} was automatically withdrawn from my bank account and applied towards my monthly payment of {$520.00}. I made all of my payments on time in 2016 in the exact amount due. None of the billing statements that I received from FedLoan Servicing show that there was ever any past due amounts. My XXXX Credit Report, which I accessed today, shows that in 2016, FedLoan Servicing received each of my monthly payments on time. 

On XXXX XXXX, 2016, FedLoan Servicing issued me a billing statement for the payment due XXXX XXXX, 2016. This billing statement showed that I had accrued {$51.00} of Outstanding Interest for my Direct Subsidized Consolidation Loan and {$73.00} of Outstanding Interest for my Direct Unsubsidized Consolidation Loan. However, the previous billing statement, which was dated XXXX XXXX, 2016, shows that there were no past due amounts. And the XXXX XXXX, 2016 billing statement shows that I made my XXXX XXXX, 2016 payment on time, and in the full amount of {$520.00}. 

Even though I have made all of my payments on time in 2016, and in the full amount of {$520.00}, my most recent billing statement, which is dated XXXX XXXX, 2016, shows that there is still Outstanding Interest. This sum is {$51.00} for my Direct Subsidized Consolidation Loan and {$72.00} for my Direct Unsubsidized Consolidation Loan.

Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have a Security Freeze on all 3 Credit Bureaus. I gave authorization for One Time for an inquiry to XXXX XXXX on XXXX XXXX, XXXX. The dealership, XXXX XXXX XXXX has ran an Inquiry and stated that they could bypass any XXXX freeze on the account. They DID too. I lifted the freeze for a few days ONLY for XXXX XXXX  exclusively. Today I received an alert from XXXX XXXX, the company allowing these other Banks and XXXX XXXX XXXX to access my Credit repeatedly ( 6 times ) in the past month when only one time was allowed and my credit files were still locked!! I have copy of recent Inquiries with dates including today and Sunday, XXXX XXXX, XXXX by XXXX XXXX. I had already had an Inquiry by them in XXXX XXXX, XXXX and my first payment isnt even due as I was approved, yet their company couldnt explain why 2 more were done. I need XXXX, EXPERIAN and XXXX to Freeze my accounts as has been initiated and quit allowing people to acces my files at will as it lowers my score and theyre violating my directives for having a Security Freeze in the first place! Auto dealerships also should NOT be allowed to bypass security freezes! They should have to wait just like XXXX XXXX did for the freeze to be unlocked. Please respond and initiate this complaint as a formal investigation and do not use my name or any personally identifiable information as Im currently exempt form public record and would be a safety issue!

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