milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-02-2017 about Student loan (Private student loan) with GC Services Limited Partnership (CA).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: I was enrolled in a film program at the for-profit XXXX XXXX XXXX California - XXXX XXXX. Before I could finish the program and earn a XXXX XXXX, I moved from XXXX XXXX to XXXX, and was assured that I could transfer to the XXXX XXXX campus of the school and finish out the program. However, once I arrived, I was told that my loan program had been cancelled. I had to apply all over again. My co-signer was denied, as was a second co-signer. I was told that because of the loans I had already accrued - for a program that I had not yet completed - I could not take out any more loans ... this despite the fact that those loans were not yet in a repayment period. 

Thus, for years following the cancellation of that loan program, I took whatever job I could find, and wound up making less than {$27000.00} per year working full time at a XXXX XXXX  company. I could barely pay my rent, much less put anything toward repayment. Without a degree, finding any other kind of higher paying job or starting a new career was essentially hopeless. 

That school 's parent company XXXX has since been sued by the federal government for predatory recruitment practices and as of XXXX has lost all accreditation. I can not use the units I earned there toward a degree at a state school, and am ineligible for financial aid of any kind because of these debts. 

First XXXX held the debts. Then the debt was evidently sold to XXXX, XXXX XXXX XXXX XXXX Now, these are held by GC Services Limited Partnership . 
XXXX, XXXX XXXX XXXX XXXX previously offered to settle for the amount of {$62000.00}. This was contingent upon receiving that amount by XX/XX/XXXX - which was absurd, since that is more than I make in one year. 

I have reached out to work out a payment plan based on my projected income, but they have not been willing to settle this via letter. I want everything on paper.

Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (TN).
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint: I received a bonus offer from Bank of America to open an account and they would give {$300.00} bonus if {$4000.00} was paid in dd 's over a 90 day period. I opened the account online using the bonus code from their correspondence and I followed the terms needed to receive the bonus. I called Bank of America and they said I was n't signed up for the bonus. When I joined bank of America a message came on the screen saying eligible for the bonus ... during the steps of opening the account. The only reason for opening an account with this bank was for the offer they gave me. I made a complaint to BOA but have n't received a call and nothing has been done to honor this 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 07/23/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: account with XXXX XXXX XXXX for {$36.00} has been paid in full Original XXXX on XXXX 2014 this account is showing open. after contacting XXXX XXXX and been tolld account is paid in full and closed and was to be removed from all XXXX credit reports still shows open and on reports

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2015 about Mortgage (Conventional fixed mortgage) with CITIZENS FINANCIAL GROUP, INC. (PA).
Issue: Loan servicing, payments, escrow account

Complaint: Received XXXX due statement Paid XXXX, {$1000.00} [ XXXX + XXXX extra principal ], check # XXXXReceived XXXX additional XXXX due statements but no XXXX due statement Called XXXX CCO customer service, XXXX XXXX She said all {$1000.00} was applied to principal and will correct it in XXXX business days and will send the XXXX due statement within 7 business daysReceived XXXX due statement Paid XXXX, {$1000.00} [ XXXX + XXXX extra principal ], check # XXXXDid not receive XXXX due statement Called XXXX CCO cust service, XXXX XXXX XXXX She said that all of the XXXX {$1000.00} payment was applied to the principal and late fees were charged. She said she will fix it and remove late fees and nothing would be reported to credit bureaus. She asked that if I had an extra statement, I should pay by XXXX. 
Using XXXX of the XXXX statements I received for XXXX due date, I made a copy with XXXX on it and Paid XXXX, {$1100.00} [ XXXX + XXXX on extra principal ], check # XXXXReceived letter dated XXXX from CCO on XXXX concerning overdue, late fees, sending to credit bureausReceived XXXX due statement XXXX with amount due $ XXXXThroughout this whole time, CCO has been calling and not leaving a message at least XXXX per day. I thought it was sales calls since the caller ID showed Citizens and not CCO, I did n't make connection. 
After the letter and last statement received, I picked up on XXXX at approx XXXX. 
After trying to explain the situation and asking for help, the man insisted that I was behind andthat I send payment and late fees. 
I have never been late on a payment and I would like CCO to apply the proper amounts to my account and not all of it to principal. I would also like them to correct these mistakes that they have made in the last several months and remove any credit bureau reports of late or missing payments.

Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Experian credit reporting. I disputed all the items on credit report. I got all the items disputed and investigated. They were deleted off of my credit report. But Experian placed the items back on my credit report. I was not notified of the reinsertion of the items. And the inquiries I did not authorize. I never heard of them.

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 12-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: I am attaching the letter I sent out to the credit bureaus on XX/XX/XXXX. As of today, I have not received any responses, and they were supposed to respond within 30 days.

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 12/19/2017 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: My name is attorney XXXX XXXX XXXX, I contacted XXXX XXXX XXXX to help with a pro bono case in which I 'm representing a relative who has experienced a financial hardship. XXXX XXXX XXXX required that I file a power of attorney with the bank prior to discussing any of my client 's account information. Thus, I filed a power of attorney. 

It has now come to my attention that XXXX XXXX XXXX has improperly added me without my consent as an authorized user on my client 's account in question ( XXXX ). I did not authorize and or provide my social security number, but was just alerted that the account in question is now appearing on my personal credit profile. I was just denied refinancing on my mortgage because of this unauthorized credit reporting by XXXX XXXX XXXX. 

It is my opinion that XXXX XXXX XXXX has violated the Fair Credit Reporting Act. I require that XXXX XXXX XXXX immediately remove this information from my credit profile. It was explicitly clear in my power of attorney letter to XXXX XXXX XXXX that I represented my client specifically as to the financial hardship with the purpose of resolving past due payments, and at no time did I request to be added as an authorized user. I believe XXXX XXXX XXXX 's operational procedures are skewed and that one of  the front line agent 's improperly added me as an authorized user and subsequently damaged my credit profile. 

Again, my communication with XXXX XXXX XXXX was very clear that I was ( 1 ) representing my client in attempt to resolve a financial hardship and ( 2 ) did not provide any consent to be added as an authorized user. I want to bring this to the attention of the CFPB, as I believe there are operational issues within this bank, that can lead to violations of the Fair Credit Reporting Act.

I will also be invoking any legal rights I may have in pursuing damages outside of this complaint process, not limited to but including litigation.

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 12/21/2016 about Debt collection (Medical) with Aargon Agency, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I had a hospital visit a few years back and I did not pay it. The account went into collections and in 2016 I settled the debt and paid XXXX services and the account was removed. A month ago, XXXX collection agency reported an account from XXXX XXXX XXXX XXXX from the same date of the original visit with a similar amount. I have contacted Aargon and requested a proof of debt and i have not received this yet, I aslo provided them with the confirmation of account satisfaction and they have yet to remove this account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2016 about Student loan (Non-federal student loan) with Lincoln Educational Services Corporation (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I was kicked out of the 11 month XXXX program at Lincoln Technical Institute after approximately 3 months because I was exceeded their XXXX consecutive absence policy. However, the reason I was absent was because I was in the hospital. I have the hospital record showing I was in the hospital during that time and I 'm also attaching a breakdown/explanation of tuition as well as the Lincoln Technical Catalog. I 'm currently taking them to court to settle the remaining tuition debt that they are trying to collect from me ( approximately {$7000.00} ) because I was kicked out of the program and was not allowed to complete their program. I feel like I should n't have to pay the amount because I was n't able to complete the 11 month program due to them kicking me out because I was in the hospital.

Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have reported several items at several times to all 3 credit bureau 's but all accept Equifax has taken the actions to investigate and correct the reported fraudulent accounts. The following are the account names and amounts : XXXX XXXX : {$0.00} XXXX XXXX XXXX/XXXX : {$660.00}, {$150.00}, {$2800.00}, {$3100.00}, {$3900.00}, {$6200.00}, {$1400.00} XXXX : {$1300.00}, {$1100.00},

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (FL).
Issue: Loan modification,collection,foreclosure

Complaint: In 2013, We went through months sending and re sending documents to " XXXX XXXX XXXX ''. For a modification, Harp or other wise. In the end XXXX XXXX XXXX kept our 6 % interest rate and changed us to a XXXX YEAR LOAN ... Not changing our payment enough, but makes nag them a lot more money. 
Right after that they sold our loan to Nationstar mortgage ... 

We 've checked on XXXX but though they claim to be able to get us a lower rate ... it will add XXXX dollars in fees back to the loan

Company response to consumer: Closed
Consumer complaint received 09/30/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: In XXXX of 2013 I paid a past due medical bill two months after it was reported as past due on my credit report. The medical bill is still showing as in collections even though it was paid over two years ago.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-04-2015 about Consumer Loan (Vehicle loan) with Turner Acceptance Corp. (IL).
Issue: Problems when you are unable to pay

Complaint: Several months ago, I started receiving calls on my home number from an organization known as Turner Acceptance. I promptly returned the call to find that they are looking for another individual who has the same name as me, who has defaulted on a loan for a XXXX. I do not won a XXXX, nor have I ever. I pulled my credit report to ensure that my identity had not been compromised. Nothing unusual was present on my credit report. I informed Turned Acceptance that I was not the individual they were looking for. For approximately one week, the calls stopped. Then, about 10 days later the calls started again. I informed them that I am not the individual they are looking for ( again ) they indicated they would take my number out of their system. A month went by and I started receiving the calls again. This time I spoke to a manager and explained the entire story to him. I also told him that I the harassment did not stop that I would file a complaint. The manager instructed me that " I did not have to repeat myself '' to which I responded that " clearly, I do, because I 've had the same conversation now at least XXXX times ''. If I receive any additional calls from Turner Acceptance for this " debt '' which is not mine, I will be filing a complaint with the Attorney General and the States Attorney. This is nothing short of harassment, and it needs to stop. Also, I refuse to give this organization any additional personal information. They repeatedly ask for my address, date of birth and other information that they say " will be used to collect a debt ''.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2017 about Payday loan, title loan, or personal loan (Installment loan) with CIT BANK, NATIONAL ASSOCIATION (IL).
Issue: Problem with the payoff process at the end of the loan

Complaint: In XX/XX/XXXX, we paid off in full, over a year in advance, our lease financing contract. XXXX XXXX would not give us a return shipping address at that time, to return our copiers ( 10 in all ) as per the lease. Our lease ends XX/XX/XXXX and once again, we requested a return address as well as a buy out price as per the lease. CIT has failed to provide a return address or a buyout price. With respect to the buyout price, we did receive the attached email stating that the buyout quote would need to come from XXXX XXXX, our local copier vendor, which no longer owns the copiers. The buyout price was many multiples ( {$35000.00} vs, {$2000.00} ) of the fair market value ( called for under the lease ) according to competing copier vendors. 
After questioning other copier vendors, I am told that it is a fairly common practice for financing companies like CIT to conspire with the local copier vendor, to hold the customer hostage so that the customer has little choice but to renew their lease or enter a new lease with the local vendor. The attached email is direct evidence of that practice as CIT is directing us to the local vendor, which does not own the copiers, to set the price while at the same time refusing to give us a return address. This practice is both fraudulent, deceptive and coercive, and the financing company has every incentive to do this to get continued future referrals of business from the local vendor.

Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2016 about Debt collection (Payday loan) with Main Street Personal Finance (MI).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I owe XXXX to a payday company and the debt collector told XXXX of my family members that I owed money and that they would sue me for XXXX if I did n't get in touch with them.

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 03/20/2018 about Mortgage (Conventional home mortgage) with Specialized Loan Servicing LLC (TX).
Issue: Trouble during payment process

Complaint: In XX/XX/XXXX I asked that the company remove the PMI from my mortgage and the company sent a realtor over to evaluate the value of my home ... Both she and I agreed that the value has increased ... The company sent me a letter stating that I was at an LTV of XXXX value .... I called the company on 3 separate occasions to dispute the LTV an no one at the company will tell me what the estimated value is ... I had a realtor do a comparative market analysis on me home which came to XXXX ... .. I bought the home in XX/XX/XXXX for XXXX .... I now owe XXXX and the company is giving me the run around about removing my PMI ... .According to my loan terms ... the PMI is suppose to fall off at 75 % LTV .... By using simple 6th grade math anyone can see I'm at 80 % and the still won't remove the PMI .... Help please ... I hate crooks!!!!!

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 11/19/2015 about Debt collection (Credit card) with WELLS FARGO & COMPANY (GA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: XXXX violated FDCPA XXXX by filing in the wrong jurisdiction which was XXXX XXXX, GA case on XXXX XXXX, XXXX and dismissed on XXXX XXXX, XXXX while the case was being held in XXXX XXXX GA as of XXXX XXXX, XXXX under. case. It was time barred from giving the chain of custody given to validate party in interest under case in XXXX XXXX, XXXX. FDCPA XXXX -K the frequency and irresponsibility of follow Federal debt collection guidelines in XXXX different incidents when it had opportunity to product the documents to validate it as party in interest it failed to do so from XXXX XXXX XXXX, XXXX showing persistence and determination to continue violations of FDCPA XXXX. The unfair debt collection practices violating FDCPA XXXX to " ambushed '' and surprised the Defendant with a redacted bill of sale and affidavit of the debt 2 years after it was requested since the original filing case # by was unconscionable since they failed to produce copies on XXXX XXXX, XXXX the bill of sale and affidavit from Wells Fargo to Defendant.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (CA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I went through a terrible divorce, I was in an unfaithful abusive marriage and finally got the courage to leave. After starting out on my own I kept trying to get back on my feet, I was unsuccessful for a year and a half. I ended up homeless, jobless, and in turn car-less. I contacted the places I had credit through and tried to explain the situation, I had a medical bill due to the abuse, had maxed out my credit card trying to stay in horrid motels, etc. I have credit card debt, student loan debt, and a payday loan that I took out as a last resort. Most companies seemed to understand and assured me that they would n't put anything on my credit due to the 'natural disaster ' as it was put. I recently checked my credit report and it had since dropped XXXX points since this all began, in addition I now have XXXX XXXX XXXX ( cell phones ) and XXXX XXXX XXXX ( XXXX ) that I had with my ex-spouse, I guess he decided in this time, since it was in my name he 'd just rack up the charges and not pay them. Any time I contact any of these companies they are unwilling to help. My credit is completely ruined. I am barely getting by as it is now, but ca n't even obtain a small car loan because of all of this, luckily I found a house to rent from a private owner that went through an extremely volatile divorce as well. I was told to look into consolidation, but that would cost over {$400.00} a month for 4 years and would n't get rid of all of it, as far as my student loans go, I was told I 'm XXXX if they are behind in payments. I have to pay them up to date in order for them to help me.Three companies said they would help by not sending my accounts to collections but instead closed them and put it as 'charge off ' which I here is just as bad and will remain on my credit for the standard 7 years. It feels like this is a never ending cycle now. I can see why people stay in abusive relationships now because I left a negative for negative, I do n't see how XXXX is better than the other now.

Company response to consumer: Closed with explanation
Consumer complaint received 05/29/2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (SC).
Issue: Other service problem

Complaint: On  XXXX / XXXX / 17  I lost access to my account with Coinbase. I became unable to login to the account as  Coinbase  has stopped sending me verification emails. No problems exist with my email account itself. I filed a support ticket and attempted social media contact on  XXXX / XXXX / 17  ( and since ) and have received no response from any human support representative. I am unable to turn off or on existing recurring transactions, view my balances, or move any of my existing assets out of the account. I would like to resolve these issues and continue doing business with Coinbase.

Company response to consumer: Closed with explanation