milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-09-2015 about Debt collection (Non-federal student loan) with ACS Education Services (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: ACS is conducting substandard, if not illegal, loan practices. Their website lacks key information about my private student loans, such as the original loan amount. They do not offer a service to allow borrowers to increase their monthly payment amounts. I took out my loans from XXXX XXXX, which worked fine for me through law school. I believe ACS is intentionally obscuring their contact information on their website, does not allow borrowers to speak with a representative in the U.S. without at least a 30 minute wait period ( first requiring the borrower to go through a confusing automated recording that does not have an option to speak to a live person, then sending you through to someone XXXX ), and is preventing borrowers from actively controlling their student loan debt. When I finally spoke to a representative, she told me they were not legally required to provide payment plan information. I was told that if I wanted to increase my student loan payments, to send an email to an anonymous address. I asked if there was a specific person I could speak to about handling my loan repayment, she said " no. '' My email would go to " another department '' that she did not have contact with. I do not understand how this is an acceptable practice. Given the opacity, I have very little idea of what they 're actually doing with my loans. I have researched complaints on ACS and given the volume of posts on various websites by students of all backgrounds, I can not imagine how the practices at ACS are legal.

Company response to consumer: Closed with explanation
Consumer complaint received 12/31/2015 about Credit reporting () with Experian Information Solutions Inc. (NC).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have disputed this information as being fraudulent, not mine or opened by me. They refuse to remove the accounts or reinvestigate the accounts and proof they are mine.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with UNITED SERVICES AUTOMOBILE ASSOCIATION (GA).
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: On information and/or belief, USAA is re-aging and/or falsely manipulating at least two of my former credit card accounts. [ 1 ] XXXX reporting as closed XXXX XXXX and XXXX 2 XXXX XXXX reporting as closed XXXX XXXX. 

PREVIOUSLY I reported to this body that USAA closed these two accounts without prior notice a number of years ago, on information and/or belief in XXXX. 

PREVIOUSLY USAA reported to this body that they had closed these two accounts without prior notice a number of years ago, on information and/or belief in XXXX. 

NOW USAA is reporting both accounts [ CLOSED XXXX XXXX XXXX. On information and/or belief, this is deliberate fraud on the part of USAA and in violation of FCRA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2016 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (IA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received a letter from a debt collector claiming to be collecting the debt on a credit card that they suppose I have, however I do not have said credit card.

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. (GA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax security was breached and my personally identifiable information was stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (NC).
Issue: Getting a credit card
Sub-issue: Application denied

Complaint: Capital One has been soliciting me by mail on a regular basis ( at least 5 or 6 times ) to apply for their Venture credit card. I am about to build an addition to a home & will be spending a lot of money so I applied for the Capital One Venture One card which has a LOT of 'Bonus Points ' included when you spend a certain amount within a few months.
I certainly would do this in order to GET those Bonus Points.
I know my credit score is very high (  XXXX  ) and I owe very little money. I could afford to pay it all off if I chose to do so.
I believe they denied me this special card because I am a Retired Person, not working.
They could n't possibly have denied me based on my Credit.
I am under the impression that if a bank offers a credit card to some people with certain criteria, they must afford that card to ANYONE meeting the same criteria. I resent this denial and still would like that particular card.

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (AZ).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I enrolled on the income based repayment plan through navient. I was having financial trouble and they directed me toward a forbearance which was collected interest that I was not made aware of. My payments were also misallocated across multiple loans. I am also a wartime veteran and the reporting of my loans to credit companies negatively affected me buying a new home with my XXXX. A right that I earned serving this country and is granted to me under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2018 about Student loan (Private student loan) with SLM CORPORATION (CO).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: I filed a complaint already back in XXXX saying that Sallie Mae would not work with me about lowering my monthly payment. They called me during work and when I was off work they were gone for the day. And they said they would send me a letter and I never got one. They closed my case saying that it was resolved when it was not. My loan monthly payment is more than I can afford. I have to get health care and dental care and I wont be able to afford it as my payments continue to sky rocket! I now have to choose between food or gas. Because I have to save up money for my loans I have XXXX dollars to my name to last me for two weeks until I get paid and I have to save that pay check to pay for Sallie Mae and other bills

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2017 about Student loan (Non-federal student loan) with NELNET, INC. (HI).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: Firstmark Services ( a division of Nelnet ) is calling me every 10 minutes despite my request that they not do so. I have been late with my student loan payments the past 2 months, but I always pay : I have paid my loans consistently for over 12 years! They are intentionally harassing me with extremely frequent phone calls, instead of leaving a voice message or sending an email. I found multiple similar complaints by XXXX searching their phone number, XXXX. They are also using some sort of countermeasures to circumvent call blocking ( after successfully blocking their call once today, they were able to AGAIN ring my phone about 10 minutes later ).

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 Skopos Financial, LLC (SC).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: This company failed to respond to the dispute, and by law if they fail to do so within the time frame by LAW they are required to remove the tradeline. Im writing this 4th complaint in regard to this information. They have violated my rights as a consumer and they have violated FDCPA laws. Ive turned this information over to my attorney XXXX XXXX to either proceeds with filing a lawsuit against them for the violations or to resolve this issue outside of court. I am giving them the opportunity to do the right thing which is to remove the negative inaccurate item frommmy credit otherwise I will advise my attorney and legal representatives to move forward with the lawsuit process.

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (AL).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: Despite signing up for auto debit, which includes automatic forbearance while it is processed, Navient continues to call cosigner to collect payment. In XXXX 2016, each time I called customer service, I was transferred from department to department as my account is a " special collections '' account which has to be handled by a " special collections '' department. Twice when I called I was never able to be transferred to the correct department or associate. 

They refuse to conduct business via email, despite offering email on the website as a contact option. The " special collections '' department can only be accessed through a transfer by another representative. Additionally, in XXXX 2016, I requested multiple times when prompted by the phone reps to have my account removed from all phone contact. Yet they are still calling cosigner misrepresenting that I have made no payment arrangements. There had been issues with the misapplication of payments to the interest and principal of the loan, and I owed a much lower amount for XXXX and nothing for XXXX. 

I have previously requested forbearance due to unemployment and financial difficulty and they make you pay {$150.00} for 3 months of forbearance. I am waiting to see if they will charge the {$150.00} forbearance fee this time. I also wonder if every customer has to pay {$150.00} for forbearance. They have provided no information how they determine who has to pay the fee, and if they ever waive it for any customers.

Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2017 about Payday loan, title loan, or personal loan (Personal line of credit) with LendingPoint Holdings LLC (AL).
Issue: Getting a line of credit

Complaint: I was using XXXX XXXX to attain a loan. XXXX XXXX was very easy to use. I selected a low interest personal loan from XXXX XXXX and started the process via the internet. The very moment I selected the loan I wanted Lending Point LLC out of Georgia contacted me via email and phone within minutes of me selecting XXXX XXXX. I was convinced by Lending Point that they were my lender. So I began the process with Lending Point thinking they were my lender. I had simultaneously filling out all my information with XXXX XXXX to complete that loan process. Since Lending Point LLC was contacting me directly I thought they were my only lender at the time. Once the loan was finalized with Lending Point LLC I noticed they never revealed the interest rate that I was getting. On the final paperwork I see that the interest rate was 31 % and XXXX XXXX was saying I could attain a loan between 10-12 %. At the time I needed the money so I signed the paperwork with Lending Point LLC. When I signed that paperwork XXXX XXXX sent me a confirmation email saying they had confirmed the loan I selected and the money would be on its way 3-5 business days. It did not occur to me that I had completed two loans. XXXX XXXX was my original choice and their interest rate was around 11 %. XXXX XXXX is the lender I wanted to begin with. Lending Point deceived me and I want them to know their strategy is evil. I am sending this because people at times need money and they are vulnerable to these evil Lending Point tactics. After the 3-5 business days my bank account has two credits. One from XXXX XXXX and one from Lending Point. I only wanted XXXX XXXX low interest rate offer. Lending Point pushed me to get theirs.

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 04-01-2016 about Consumer Loan (Installment loan) with Avant Credit Corporation (IL).
Issue: Managing the loan or lease

Complaint: I entered into a long term repayment agreement with Avant on XXXX/XXXX/XXXX and I made regular payments according to the schedule. 

Avant scheduled a payment for XXXX/XXXX/XXXX instead of XXXX/XXXX/XXXX ( the actual date I made the payment ) and then deactivated the payment plan. 

I tried since XXXX/XXXX/XXXX to get them to reinstate the payment plan but instead on XXXX/XXXX/XXXX they offered me a settlement for {$2500.00}. I accepted the settlement so that I could be through with Avant but they then reported that I missed a payment for XXXX XXXX and XXXX XXXX when that was not the case. They are also reporting that the account was charged off when it was settled.

Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX  XXXX are improperly reporting on XXXX experian and XXXX credit bureaus.XXXX ... ..WAS INSURED BY XXXX and was covered at time of service.XXXX ... ... was covered by XXXX XXXX ' XXXX XXXX policy ( my mother ) at time of service.I have enclosed the XXXX policy card and the verifications by experian and XXXX.these debts should not be on any credit file as they are insured and the result of error.

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 11/17/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Pathfinder Credit Services (OK).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I tried to enroll in XXXX in XXXX. My Family paid for my fees by check. Later on I got a bill from Pathfinder Credit. We checked with the bank and sent a copy of the check we had paid with to XXXXXXXXXXXX. I asked to please stop all attempts to collect and remove it from my credit report since it was never owed. That was almost a year ago and its still on my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/16/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: Ocwen failed to provide my XXXX for XX/XX/XXXX and XX/XX/XXXX on www.Ocwencustomers.com. The page that should house the documents is blank.

Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2016 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: yesterday i looked at my credit report and noticed that there was hard inquiries placed on my account that i did not authorize. I have sent letters to the companies asking for verification and they have decided not to answer this in the 30 days permitted by law. I called equifax and and asked to speak with a special fraud agent in the united states about the account,. the representative refused to transfer me and refused to put a temp lock on my account since i did not request this loan. I called multiple times to request this and each time i was told the same thing. one Representative even became belligerent and told me that i should file a complaint because they had verified the account ( while i was speaking to him no less ). I finally spoke to a representative and he claimed that he would remove them if i placed a lock on the account which i was very in favor of. The lock was not added and the accounts are still there

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (VA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I was alerted from Experian that a new inquiry was placed on my credit from XXXX yesterday XX/XX/18. I didn't even authorize it this so I called XXXX XXXX spoke to XXXX and explained what happened then she transferred me to fraud, and I spoke to XXXX who saw the attempt to open a card in my name and it was declined and he didn't know why an inquiry was done.

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 11/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Residential Credit Solutions, Inc. (IN).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: ON XXXX/2016 I GOT LETTER FROM RCS STATING THAT THEY ARE REPORTING TO ALL BUREAUS, WHEN IN FACT ARE NOT REPORTING TO XXXX, THUS VIOLATING THE F.C.R.A. AND THE " DODD-FRANK WALL STREET REFORM AND CONSUMER PROTECTION ACT.

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 06-02-2015 about Credit card () with SYNCHRONY FINANCIAL (FL).
Issue: Credit line increase/decrease

Complaint: I have XXXX different retail credit cards managed by Synchronicity/GE. All of them with decent limits. I was running balances on all XXXX, with perfect payment history. I paid XXXX of the cards in full and 80 % of the other card. Suddenly, the limit on that card was lowered to {$300.00} with no explanation. The other XXXX limits were then raised. This is fraudulent. How would a bank determine they want to dramatically lower your limit on XXXX card and then drastically raise your limit on the others? When I called, they said they did n't have access to the reason, and that I should be receiving a letter explaining why. I received a letter that in so many words stated they re-evaluated my credit and made the determination. This is unjust and I would like to see some action take to bring my limit back up. Closing these accounts would severely damage my credit that is important to me as it is to all of us. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2018 about Debt collection (Other debt) with American Collections Enterprise, Inc. (VA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I received an alert from the Credit Bureau for a collection account from from XXXX XXXX XXXX ( XXXX ) that there was an alleged debt with XXXX XXXX  XXXX as of XX/XX/XXXX. I pulled the address from the Credit Report and responded requesting validation of the debt. My initial attempt to contact the was returned as undeliverable in XX/XX/XXXX with the address that they were reporting to the credit bureaus ( XXXX XXXX XXXX XXXX, VA XXXX ). I conducted additional research and found another potential address. I contacted the collection agency to dispute the debt and advise them that I did not owe this location money. 

During this time, XXXX XXXX XXXX continued to report this information to the credit bureau ; even during the dispute time. I received a letter back using the alternate address ( not the one on my credit ) that the account had been " validated '' which was mailed days after XXXX reported that they had mailed the information to me. 

I sent another letter to XXXX advising them that they have violated the FDCPA and had continue to report a debt to the credit bureaus after receiving notification that the debt was disputed. I further advised that if they did not correct this issue and refrain from reporting this inaccurate information, I would have no choice but to take further action. To date, XXXX has chosen not to respond.

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 08/27/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: XXXX XXXX XXXX XXXX has a hard inquiry for my credit on XXXX XXXX, 2015. I have made no such inquiry. I demand that they remove this from my credit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2016 about Consumer Loan (Vehicle loan) with DriveTime (FL).
Issue: Managing the loan or lease

Complaint: I got a loan with Drive Time in XX/XX/XXXX till XX/XX/XXXX, was charges 25 % rate, I was never late or missed a payment. XX/XX/XXXX I discovered my payments history was not reported to any of the credit agencies. Drive Time claimed it was a mistake and they would fix it. Mean time they gave me a letter showing my perfect payment history. XX/XX/XXXX I found out Drive time still did not report my history , Drive time tells they are not going to report it because I had filed Ch XXXX prior to getting the loan. This makes no sense, since the only reason I got the loan and paid 25 % is to build my credit. Please help

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2017 about Debt collection (Auto debt) with EXETER FINANCE CORP. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I have contacted this company so many time and I was told to send in paperwork that I have sent in over  5 times an d never gotten a response the account was opened up fraudulently in my name I gave them everything they asked for and heard nothing called so many times no was able to tell me anything until I received something in mail saying they are closing the case because they have n't received papers I know that it 's not the case because a rep said they received it over the phone and I had to wait to do the investigation this company is jerking me around only to find out that this business is not even licensed to do business in my state they have a corporation service company in California but that is it no rights to collect a debt in California they are breaking the law I found this out when I went to the courthouse in my state of California

Company response to consumer: Closed with explanation