milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/13/2017 about Student loan (Federal student loan servicing) with GREAT LAKES (IN).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I have my loans through Great Lakes, and for the 2nd year in a row, they have taken too long to update my Income Driven Repayment ( specifically, PAYE ) after receiving my application. My student loans are for XXXX ( located in XXXX ). Last year, they had my application approximately 1 month before my current PAYE plan would expire, and they failed to update my status so I had to go into forbearance for 1 month until they updated my account. This year, they 'll have had my application for more than 3 months before my next payment is due in XXXX, and again they did not update my account so my XX/XX/XXXX payment is set to increase by more than 10x, which I can not afford. I feel their delays at this point are intentional in order to get more money out of me, which is dishonest at best and more likely criminal. I called them today and was told I 'll be getting an updated payment schedule after XX/XX/XXXX or XX/XX/XXXX, and my payment will only more than triple due to my wife and I filing together and the associated increased income, and yet I had NO information for the last 2.5 months from Great Lakes that my payment would be increasing by that much. Right now, I 'm stuck waiting until after XX/XX/XXXX or XX/XX/XXXX to see if I receive my updated pay schedule like I 'm supposed to, and if I do n't, I guess I 'll conveniently ( for them ) have to go into forbearance again while they fix it ... again. This is ridiculous.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2015 about Credit card () with HSBC NORTH AMERICA HOLDINGS INC. (NC).
Issue: Closing/Cancelling account

Complaint: I have an open account with HSBC Bank, which was closed paid in full in XX/XX/XXXX. The account is showing as still active as of XX/XX/XXXX. The account status shows closed - transfer/sold with a balance of XXXX. This account is past the 7 year date and should be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2016 about Debt collection (Payday loan) with CNG FINANCIAL CORPORATION (TX).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: On XXXX XXXX 2016 number XXXX called me back to back 6 times and when I answered they had me on mute and hung up. They have been harassing me all day. I called back and asked them to put me on the do not call and cease and desist all my numbers. The agent argued with me and told me to go get some education and they would not stop calling me. Now they are still calling me and hanging up back to back.

Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2016 about Bank account or service (Checking account) with U.S. BANCORP (CO).
Issue: Using a debit or ATM card

Complaint: my parents have checking account with US bank. My father was financial one.They were overseas and father died in XXXX. XXXX is sick staying in XXXX ca n't make it back. We arranged for me to be her POA and file that with US bank. There were unauthorized charges made on mom 's debit card. We have filed this with fraud department. her card was cancelled and took 2 months to receive new XXXX after numerous calls which XXXX cost my mom {$250.00} because calling from XXXX. Bank 's free ph # did not work from my mom 's location.Here only access to her funds is with her debit card getting money from atm. We have repeatedly told US bank not to use her temp address in XXXX as it prolongs any procedure. She has local XXXX XXXX XXXX that we supplied bank with. And again some form necessary to return in given time was mailed to XXXX which resulted in not being returned on time and her card is on hold so again no access to her funds and to her social security checks! This time I tried calling again fraud dept after 40 mins and after XXXX different people no one could help me and I got hang up on. Local branch ca n't help I was told we have to deal with fraud dept. I tried calling again after 15min hold I had to hang up I 'm at work and ca n't spend half day on hold. This has been the worse institution to deal with ever and specially considering it is about my elderly sick mother who is still mourning her husband and should not have to deal with this! This is just a nutshell we have been dealing with this since XXXX XXXX, 2016. I am very disappointed and do not know what else to do to get this solved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with FAIR COLLECTIONS & OUTSOURCING, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I requested documentation from Fair Collections and Outsourcing regarding a debt that they are alleging that I owe and have placed on my credit. After careful examination of the documentation that they provided and the information that they are actually reporting to all 3 credit bureaus. I have found that they are reporting false and inaccurate information. The open date on the account is incorrect. They have listed the open date for the account as XXXX XXXX, 2012 yet they just added this to my credit report a few months ago. It is my understanding that no entity has the right to retain, report, transfer, sell utilize or else wise any outdated, untrue, inaccurate, physically unverifiable, fraudulent, misreported and or any non compliant allegations. I have documentation of all 3 reports with this inaccurate date being reported.

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 02-05-2016 about Credit card () with AMERICAN EXPRESS COMPANY (VA).
Issue: Balance transfer

Complaint: I have had an American Express Card since 1979 and have been generally satisfied with their service until now. 10 days ago, I asked for a credit card balance transfer of {$5000.00} to pay another credit card. AMEX has not performed the transfer and does not intend to transfer the money for another week. Adding insult to injury, AMEX will charge me a balance transfer fee of {$150.00} for this " service '' I have complained to AMEX to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2016 about Credit card () with WELLS FARGO & COMPANY (CA).
Issue: Closing/Cancelling account

Complaint: My company opened a credit card with Wells Fargo at time of conception for myself, 100 % owner and guarantor of finances, and a signature only credit card for the secretary of the corporation, no ownership and no financial responsibility to the company. Being new to how a corporation credit card should be opened we believed it was done correctly. 
However when the secretary resigned I tried to close the credit card that was never activated and take him off the account to only be informed that he was placed as a guarantor of the corporation and the only way he could be removed is to payoff the card and open a new one. 
Was this fraud? Did the young man get paid for doing this? 
1 ) card was improperly opened 2 ) closing and reopening an established card causes a lot of issues to creditors and to my credit.

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 09/26/2016 about Credit card () with AMERICAN EXPRESS COMPANY (PA).
Issue: Rewards

Complaint: XXXX was unable to secure my account due to identity theft. XXXX XXXX admitted they failed their own procedures. XXXX XXXX closed my account. I was forced to accept discounted Gift cards for XXXX points. XXXX XXXX attempted to reopen my account 24 hours later, but would not trade my points back.

Company response to consumer: Closed with explanation
Consumer complaint received 02/25/2017 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Deposits and withdrawals

Complaint: Bank or America made an error. On XX/XX/2017 I was to receive a deposit from the VA. It showed as a deposit alright however, it had a negative sign attached to it. Which left my account negative and over drawn. I called and was told that the deposit shows as negative because it had n't posted yet. Well, the next day it still had n't changed and this time it read " error. '' I called and was told that they would have it corrected within 15 days. On XX/XX/2017 my other deposit from the BA hit as a positive leaving my account with less than five dollars. I kept in touch with the bank and talked to a handful of people including a bank manager. I am still waiting for them to fix the issue. In the meantime I have gone back to paper checks which take longer and I am going to have to cash them a different way because I do n't trust Bank of America. I went to the bank yesterday and they said that the VA has to basically release the funds all over again and that is what they are waiting on. Once that is fixed they have to submit a ticket for the next check and the overdraft fees. I was not given another time line for that. I lost my home and have had to move into a friend 's house because the Bank owes me over 3,000 dollars.

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 11-04-2016 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (VA).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: I am not sure exactly who this company is or why they were trying to contact me, however, I found their site by Googling the number that called my home yesterday. Whoever the representative was from their office harassed my babysitter & got very rude & hateful with her & kept demanding mine or my husband 's work hours. She informed him I was not married & then he started hounding her about when I would be home. When she told him I had work hours that varied he informed her she must live here so she should know. 1. She does not live here. 2. Hours can vary from day to day. 3. Now I will not be working for a while because my health condition has flared up but I will have various appointments & various times. 4. I assume from their site that the call was an attempt to collect some sort of debt so their representative violated several regulations & I will be filing reports & complaints with all appropriate agencies. For one, aggressive & threatening behavior, language, & tone are strictly forbidden. For another, if it is an attempt to collect a debt collectors are forbidden by laws & regulations from speaking to anyone else about the debt but their representative was perfectly willing to speak to my so-called husband about it!! All of my debts & accounts are in my name alone so if they are trying to collect on something why would they even want to speak to someone else?! 
I filed a complaint with their Chief Compliance Officer today & told them I did not want anymore phone calls.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/14/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Improper use of my credit report
Sub-issue: Report shared with employer w/o consent

Complaint: On XX/XX/XXXX someone broke into my car and stole my personal belongings, in which included my social security card and drivers license. With this information, they were able to authorize the following companies to make credit inquiries and or open up multiple service accounts : XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, and XXXX XXXX all in XXXX, GA. I did not authorize these companies to put an inquiry on my credit account and would like these inquiries removed. As far as I know, the only account that was opened was with XXXX on XX/XX/XXXX and since then has been disputed. My ultimate goal is to be able to purchase/finance a car, but in order to do this I would like to first remove all unauthorized credit report inquiries.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-01-2015 about Bank account or service (Other bank product/service) with PNC Bank N.A. (MD).
Issue: Account opening, closing, or management

Complaint: I contacted PNC Bank NA for a line of credit and they approved me for it. I already have XXXX other lines of credit with the same bank, which I intended to keep for liquidity, but also XXXX of them has a far better rate than the new line of credit. PNC closed the prior lines of credit without any written or verbal disclosure- replacing them with a single one that has a higher APR. I was given no warning of the lines of credit closure and it did not authorize their cancelation.

Company response to consumer: Closed with explanation
Consumer complaint received 03-05-2017 about Credit card () with JPMORGAN CHASE & CO. (IN).
Issue: Customer service / Customer relations

Complaint: For over 6 years we have been making payments double the amount Chase Bank said would pay off the credit card in 2 years. Approximately {$34000.00} has been remitted Calling Chase they would not tell us where the additional principle payments were used.

Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2017 about Student loan (Non-federal student loan) with Earnest Inc. (MA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I submitted and had a student loan consolidation approved by Earnest LLC ( earnest.com ) on XX/XX/2017. They had stated payoff of loans being consolidated would be completed within 7-10 business days. 

They then stated they were experiencing delays, and stated 30 days. Then emailed again and said 60 days. Now XXXX 60 days has past and I have had no pay-off. Interest rates have now risen, so using Earnest is proving to be a costly mistake. 

Any help would be greatly appreciated to get the payoff completed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08/17/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Bilateral Credit Corp, LLC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: The debt collection company Bilateral Credit is attempting to collect a debt that I do not owe. I have documentation clearing showing that the debt was paid in full in XX/XX/XXXX directly to the original creditor. However, the company continues to harass me by calling me at work multiple times per week. They did not respond to my letter showing that the debt was paid-in-full. Instead, they have continued trying to collect the debt more than one month after I provided this documentation. 

I have attached to this complaint my correspondence with bilateral credit and their correspondence to me. This also includes the documentation that shows the check I mailed to the original creditor with the letter attached. As stated in my payment letter, by depositing the check, XXXX acknowledged that this debt was paid-in-full. 

Bilateral Credit has now filed a negative account status on my credit report with XXXX. As this is a dispute between an employer and employee, this should never have been reported on my credit report as delinquent consumer debt account. There was never any debt agreement in place with my former employer, so I fail to understand how this can be reported as consumer debt. Nor did I ever enter into a debt agreement with this employer. This is clearly harassment, and Bilateral Credit is violating the Fair Credit Reporting Act by submitting this improperly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with NELNET, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: 1. XXXX/XXXX XXXX 2. XXXX XXXX XXXX / NELNET 3. XXXX/XXXX XXXX XXXX To whom it may concern, I would like to see the accounting records on the loans that you are accusing me of owing. 
Are you aware that 's it 's illegal to give out a loan if interest is being charged without having an insurance policy against the loan. 
I am aware of my rights and the statue of limitations in my state as a borrower. According to The Consumer Credit Act of 1974, it gives the credit consumer a legal process by which to proceed if he/she feels as if their rights have been or are being violated! gives the credit consumer a legal process by which to proceed if he/she feels as if their rights have been or are being violated! the courts had historically misinterpreted the laws, falsely deeming student debts as student loans under the bankruptcy code. At this point I feel that you are accusing me to be the owner of the loan accounts listed on my credit file. I feel that my rights are violated in several ways. Accusing a consumer of an unknown debt and misuse of ones credit can turn into a big problem. It is impossible for a creditor to verify a consumers debt attempting to verbally verifying the debt with a credit bureau. The debt was deleted several months ago and it was reinstated back on my credit file just recently. 

P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.
Cc : Consumer Financial Protection Burea
u Cc : Attorney General 's Office Cc : Better Business Bureau

Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with HireRight Solutions, Inc. (AZ).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: My consumer reports are different names not my actual name. Also im trying to get a job with a good company for once and my background is 100 % inaccurate. A  XXXX  search says more about me than the consumer reports that not in any way was I asked if its actually me. I had my Id stolen and lost it happens but my  Social security/ IRS statement says  actual events while the consumer report is just a computer guessing or a guy on a computer trying to figure out who some one is.  XXXX  works better honestly. Its recent and honest. Im sure im not the on ly one with  this problem. I imagine people that are not tech savy. The lies and guesses that they receive sure explains why alot of people are unemployed!!

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 08-01-2016 about Consumer Loan (Installment loan) with First National Collection Bureau, Inc. (MO).
Issue: Problems when you are unable to pay

Complaint: I received a notice from First National Collection Bureau , Inc stating I owed {$11000.00} for a non-existent loan. 
Current Creditor : XXXX XXXX XXXX, XXXX Original account # : XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2016 about Credit reporting () with Experian Information Solutions Inc. (LA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I have submitted the attached documentation to the credit bureau and they will not delete this account from credit report. They have on more than XXXX occasion send a report and stated that the item remains.

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 05/19/2017 about Debt collection (Other debt) with Resurgent Capital Services L.P. (MS).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This dispute involves the purchase and return of  XXXX  tablets from a known installment plan retailer.  XXXX   tablets were returned to the retailer because they stopped working ; The   XXXX   tablet was sent to me without my consent and was also returned as well.All of these returns were at my expense.Although my " Account Balance '' page shows all items as returned, it also shows a balance due.How could a balance be due when all items were returned? I 'm looking for an answer to this question.And, yes, I have several copies of my Account Balance page reflecting all of my returns.

Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2015 about Mortgage (Other mortgage) with Shellpoint Partners, LLC (TX).
Issue: Application, originator, mortgage broker

Complaint: XXXX XXXX XXXX illegally and without any authority from the Trustee transferred our loan to Shellpoint Mortgage Servicing, I filed an appeal with Shellpoint regarding the our eligibility for a MHA HAMP Tier 1 modification and requested thorough documentation of the process, including an NPV. To date Shellpoint has not responded to our appeal, dated XXXX XXXX, 2015 ; and is having their vendors call and harass us, stating they are giving us " verbally '' notification of foreclosure. These vendors are in XXXX or XXXX. This is also illegal and this office need to contact XXXX, a MHA participant for not complying with the rules and guidelines in which cfpb is to enforce compliance. Furthermore, I have disputed the manner with cfpb, and to date no assistance what so ever.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-04-2015 about Mortgage (FHA mortgage) with CARDINAL FINANCIAL COMPANY (AZ).
Issue: Application, originator, mortgage broker

Complaint: RE : Cardinal Financial LPIn applying for a 30year FHA loan product the servicer deliberately delayed with processing and underwriting in and overcharged from the material GFE. The delay was blamed on inundated staff with overwhelming applications. 
reference : XXXX Approval No. XXXX LICENSE XXXX providing all the needed paperwork they were non-responsive as this is how they can justify providing multiple rate-lock extensions and have complete disregard for the binding GFE. 
XXXX ( attached ) does not reflect the origination fees supplied with the GFE. 
The GFE was charged multiple rate locks because of the lack of service provided from Cardinal Financial : XXXX the original GFE does not reflect the XXXX XXXX XXXX ) promised lender credit of {$690.00} dated XXXX/XXXX/15 when the loan was locked. XXXX attached email ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2017 about Debt collection (Medical debt) with Allied Collection Services, Inc. (Nevada) (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This company is attempting to collect a debt which is not mine. I have proof to substantiate my report and will seek legal action if this matter is not cleared up.

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