milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/29/2015 about Student loan (Non-federal student loan) with AES/PHEAA (MN).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: American Education Services has a ridiculous interest rate type & percentage that changes monthly, making it nearly impossible to pay off a student loan in a lifetime. When I call, employees are rude, and are n't able to describe how my interest rate works, and is calculated, or how/why payments were applied as they were. With the repayment plan they have me in now, I will be paying over {$30000.00} for a less than {$10000.00} loan and will be paying until at least XX/XX/XXXX, for a loan that was taken out in XX/XX/XXXX. In the past 9 months I made extra payments in some months to try to get the principle to drop. In the past 9 months of the over {$2400.00} I have paid only {$1600.00} has gone came off the principal.

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2017 about Mortgage (Other mortgage) with GOLDMAN SACHS BANK USA (IN).
Issue: Credit decision / Underwriting

Complaint: I received a credit denial letter from Goldman Sachs Bank USA on XXXX/XXXX/2017 for which I did not apply. I have no knowledge of who this institution is or what they do. This bogus denial letter does not state the type of loan I supposedly applied for. Again, I never applied for any type of loan from this institution at any point past or present. Additionally, this institution is located in Utah. Near the same location to XXXX XXXX XXXX Bank of whom I complained on last year. Also near the headquarters of XXXX XXXX whom sent XXXX soft pulls of my credit over a 8 month period last year for which I also did not apply for credit to.

Company response to consumer: Closed with explanation
Consumer complaint received 06/25/2015 about Credit reporting () with EQUIFAX, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Equifax is reporting a judgment for XXXX, a satisfied judgment for XXXX and a tax lien for XXXX that I do not believe belong to me. I have never received documentation on these debts and I 've never had issues with my taxes

Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2016 about Other financial service (Debt settlement) with FIRST CONSUMER, LLC (PR).
Issue: Fraud or scam

Complaint: i recieve a call from the company First Consumer telling me about how to continue paying my studentloans at a much low payments. A representative of the company XXXX XXXX XXXX told me about the law XXXX XXXX XXXX, and if I pay 1 payment of {$180.00}, and 3 paymentes of {$130.00} i was going to be on track with the company that is going to take my loans, and my payments are going to be {$18.00} monthly, that i was going to get another follow of my status on XX/XX/XXXX, and with the help of the new law of forgiveness and my payments XX/XX/XXXX i was going to obtain a forgiveness of my debts. They ask for several documents like my taxes, slips of the payments from my work, and my banking account numer and route, beacuse the only way wa going to be with an account. i ask several times that the {$600.00} were are going, and they told me that is going to go direct to my loans. The first debit of my acount was made i star confronting problems getting in contact with the company, i call the several numbers that they have, and there was no answer or they didnt respond the messages that i leave in their machines. I start doubting the company when i only talk with XXXX XXXX and a lady with the name XXXX XXXX, no one else answer the phones. One time they give me a numer of XXXX XXXX, and he told me that he do not understand why the company that have my loans have not calle me, he told me to wait until XX/XX/XXXX, then he was going to call me to check, but he didnt call. i star calling again, he only send me an email. In the meantime i call the Deparment of Education and they told that i have to be carefull with these companies. Then XX/XX/XXXX the company XXXX call me and told me that i was late in my payments with them, i talk with their representatives telling them that i do not know who they are. They explain to me that they have my account, i ask them if they work with First Consumer and they told me they dont know anything about that company, i ask if they receive my information through them and they say again no, i ask if they have heard about the law XXXX XXXX XXXX they told me not. Then the representative star talking about sending me papers, and talking about my finance condition, and put a stop until XX/XX/XXXX so give them the oportunities of getting the papers they need from me, and that i do not need to do any payments until XX/XX/XXXX. i was not receiving the papers from them i call again and talk with a representative that change my adress, and give me this link because she says most of these companies are not helping people. First consumer was suposse to do the last debit on XX/XX/XXXX, but they do another on XX/XX/XXXX. I am afraid that they are going to take money of my account, and have not do nothing, only a fraud.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/19/2017 about Student loan (Federal student loan servicing) with GREAT LAKES (NC).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: I was told that the loan was a grant, when I told them that I did not have a job, and I could not afford a loan.After 7 years passed they garnished my wages without any notification.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/27/2017 about Mortgage (Reverse mortgage) with NATIONSTAR MORTGAGE (FL).
Issue: Struggling to pay mortgage

Complaint: Problems started when XXXX XXXX sold my reverse mortgage to XXXX XXXX XXXX doing business as XXXX XXXX. They tried to foreclose in XX/XX/XXXX. After negotiation they voluntarily dismissed the case in XX/XX/XXXX. In XX/XX/XXXX, they filed lis pendens again against me for the same things that were resolved in XX/XX/XXXX by court order. They are claiming that I did not have homeowners insurance which I did and submitted the declaration page to them over 6 ( six ) times and they still went ahead and put on their own homeowners insurance and have listed said amount on their tentative payoff sheet. Further, they went ahead and paid on the taxes for the home without notifying me or giving me the chance to pay them. They paid these taxes in XX/XX/XXXX and they are not due until XXXX XXXX of each year. They have attached this amount to the payoff as well along with attorney fees from the XX/XX/XXXX court order in which it clearly states that each side was responsible for their own attorney fees in the matter. They hired a law firm out of XXXX XXXX, XXXX XXXX Firm, which from what I understand, is a foreclosure mill group. They are uncooperative to say the least. I am trying to get an accurate accounting because I have sold the home and so far I have gotten four ( 4 ) DIFFERENT AMOUNTS. XXXX XXXX. is a sham group of underhanded and illegal operations. They have been brought up on charges again in XX/XX/XXXX via a class action suit, the same month they started with me. I have filed a law suit against them and now have submitted my case to the XXXX District Court of the State of Florida, XXXX Court. I need help with this organization who is trying to take my home of 24 years.

Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2017 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services ().
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint: In   XX/XX/XXXX  , I opened an account with Comenity (   XXXX   XXXX   ) and recceived a credit card only valid in their stores. I bought a watch with an offer of 24 months without interest, for  XXXX  $ US. I understood that after the 24 months, interests are going to start on the remaining amount to pay ( In   XXXX   it works like that, it 's an incentive for a customer to buy products ). I paid aroud 1300 $ US in two years. Then on   XX/XX/XXXX ,  I paid the usual monthly amount ( I live in  XXXX , so I must make transferts to a US account and then pay them, so I have an automated procedure to do that every month, and I do n't always check the statement. Furthermore, I was out of the country at this period ), but they charged me the total amount of interests for 2 years at 30 % interest rate ; so now I have to refund  XXXX  $ US, with a 30 % interest rate!
I called them, spoke with 3 representatives ( the last one a manager ), and they told me that it is a revolving interest, so because I did n't paid the total amount befo re  XX/XX/XXXX , th ey charged me the revolving interest.
I explained them that I was not aware of that rule, and if I knew I would have paid the entire remaining amount ( around 3700 $ ) in time and the case closed. I asked them to cancel the interests charged and I will pay the remaining amount immediately. The manager did n't want to understand my point and the situation. He only offered me to lower the interest amount by  XXXX  $ ( which he never did after all ), which seems an odd amount ...
I also asked him to fill a complaint for me, and I also filled a complaint myself on their web site. The answer from their secure messaging area is the same : I was late to pay the remaining amount, so they charged me all the two year past interest.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-09-2017 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I am unable to get my credit report or Score from Equifax and have had trouble with this for over a year. I have filed a complaint with you guys months ago and nothing ever happened. XXXX is trying to pre-approve me for the home of my dreams and I am getting turned down because they ca n't obtain my Equifax report. This happen to me this summer when i contacted you guys because I got turned down for a boat I wanted but they too could not pull my Equifax. I sent you guys some of the XXXX emails I have sent to Equifax and I ca n't get anyone at Equifax to help me, my last complaint number was XXXX. I have not been able to have any creditor to be able to obtain my Equifax for over a year now. I am sick of my credit report being held XXXX, I have read I can sue them for each time they do not release my info which has now been dozens. That could cost them a lot of money. Do I need to hire a lawyer and sue them for this for I am about to lose the home i have been looking for for 2 years. I am pre-approved with experian with a XXXX and XXXX with a XXXX, all they need is my Equifax which should be even higher. All I want is my credit file fixed but I am not waiting much longer before I just file a lawsuit. I ca n't take this anymore and they are definitely in the wrong! Please tell me if you can help or I should hire the lawyer I have been talking with?

Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2017 about Credit reporting () with Experian Information Solutions Inc. (DE).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Incorrect information on credit report far as my Name they have XXXX, XXXX, XXXX. My name is XXXX also they have my address wrong on the report they have XXXX de XXXX, XXXX de XXXX, XXXX del XXXX, XXXX De 1XXXX,XXXX del XXXX,XXXX pa XXXX,XXXX pa XXXX,XXXX de XXXX,XXXX pa XXXX,XXXX pa XXXX, XXXX pa XXXX,XXXX del XXXX,XXXX de XXXX, XXXX de XXXX,XXXX pa XXXX, and my addresss is XXXX De XX/XX/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 non-monetary relief
Consumer complaint received 06-12-2017 about Payday loan, title loan, or personal loan (Installment loan) with Marlette Funding, LLC (TX).
Issue: Getting the loan

Complaint: I received a pre-approved letter from Best_Egg with an offer code. The letter has not date but has a  Respond  by  XXXX   XXXX ,  2017  date.. The letter reads You 're pre-approved for up to {$50000.00}. I applied online for {$40000.00} with the offer code and was denied based on various factors.     How can companies such as Best Egg be allowed to mail pre-approved letters, accumulate consumer information through the application process, and then deny them? It would seem to me that they are building an information database.

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 08-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Specialized Loan Servicing LLC (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Specialized Loan Servicing is reporting the incorrect balance to the three ( 3 ) major credit bureaus ( XXXX, XXXX and XXXX ) and the account is paid in full.

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 09/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I want all information regarding a b/k over 9 yrs ago removed from my credit reports from all three reporting agency and to be advised when done!

Company response to consumer: Closed with explanation
Consumer complaint received 01/15/2018 about Vehicle loan or lease (Loan) with TOYOTA MOTOR CREDIT CORPORATION (NJ).
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint: I researched buying a new vehicle at a local XXXX dealership, XXXX XXXX in XXXX XXXX New Jersey. I found a vehicle I wanted, emailed their sales department and received an email laying out the financials of buying this vehicle. The most important detail was a {$7400.00} " upfront savings '' discount. 
I went to the dealer, spoke with a sales person, picked the vehicle and sat down with sales person and sales manager to go through the financial details. The manager wrote down the information including the {$7400.00} " upfront savings ''. 
I signed the contract and left with the vehicle. Upon further inspection of the contract, the financial detail page is behind a page that I signed and it did not have the {$7400.00} savings. I immediately phoned the original online sales representative who promised to look into it, I waited a week with no response. I emailed the representative and have not received a response back after another week. 
I feel like I was knowingly deceived by the sales manager.  I believe that this was a simple bait and switch situation and would like to receive the savings or return the vehicle. 
I have not made a payment yet and am not due to until XXXX XXXX. 
If I can not receive the savings or return the vehicle, I would ask that XXXX XXXX of XXXX XXXX be monitored for other shady sales tactics towards XXXX XXXX members. 
Thank you in advance for your time and consideration. 
XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2016 about Bank account or service (Savings account) with SUNTRUST BANKS, INC. (MD).
Issue: Deposits and withdrawals

Complaint: Suntrust Bank employee XXXX XXXX violated my financial privacy when he provided my solely owned bank statements to a third party without consent of the owner or order of the court. The release of my information took place XXXX XXXX, 2013 in the XXXX District Circuit Court for XXXX XXXX County, XXXX XXXX, Maryland in Room 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 06/26/2017 about Debt collection (Other debt) with A.R.C. Accounts Recovery (U.S.A.) Corporation LLC (NJ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: In XX/XX/XXXX I noted a collection on my account from the collection agency of ARC, For almost 700 $ original debt was from utility XXXX XXXX XXXX XXXX XXXX. I immediately contacted the collection agency, and requested details of the debt. I found that my information had been used to obtain services in a state I was n't even living in during a portion of service. From XX/XX/XXXX to appx XX/XX/XXXX someone was without my permission using my name through XXXX XXXX XXXX. When I contacted ARC they informed to get a police report, type a letter for  why I was disputing and send it in. After I had sent them the information it took several months but inXX/XX/XXXX the account was closed, and removed from credit. Then just over one month later the collection is back on my report, I never received any notice of this what so ever. How can something that was closed and proven to be identify theft by the collection agency be reopened again by the same agency. What are my rights?

Company response to consumer: Untimely response
Consumer complaint received 06-06-2016 about Mortgage (Conventional fixed mortgage) with Specialized Loan Servicing LLC (GA).
Issue: Loan servicing, payments, escrow account

Complaint: Back in XXXX XXXX I filed for bankruptcy. My home was in foreclosure status I owed over {$5500.00} in arrears I was dealing with a financial hardship at the time and XXXX XXXX XXXX was the bank I paid my mortgage payments too. After so many denied loan modification XXXX XXXX XXXX finally approved XXXX back in XXXX XXXX. What happen was the remaining arrears had been put to the end of the loan ( deferred ). I had paid {$1300.00} on the arrears during the bankruptcy. Specialized Loan Servicing brought the loan from XXXX XXXX XXXX back in XXXX XXXX. I started making payments to SLS in XXXX XXXX and at present I 've not missed XXXX payment. SLS not once ever sent me a monthly invoice but back in XXXX XXXX when my bankruptcy was discharged they have been aggressively sending me threatening foreclosure letters saying I am {$3600.00} in arrears. SLS said XXXX XXXX XXXX reported to them back when they brought the loan I had some missed payments, the months SLS told me I missed I sent proof that the payments had been made to XXXX. That did n't work then I sent them a copy of the loan modification from XXXX that did n't work. I know that SLS is trying to get the remaining arrears that was deffered because back in XXXX XXXX they sent a loan modification package to my bankruptcy attorney and the attorney sent the package to me.

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 11/18/2015 about Bank account or service (Checking account) with DISCOVER BANK (PA).
Issue: Account opening, closing, or management

Complaint: I opened Discover checking account and saving account in 2013. I used them as my main banking accounts and have XXXX in Discover bank. However, I received a mail said that my accounts will be closed on XXXX XXXX without any reason. I called their custom service but they just transferred me to an auto telephone recording machine. The custom service could not find anything wrong with my account after his research. Such bank closure brings me a lot of inconvenience, and I think it is really unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (OH).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: On XX/XX/XXXX some one went through XXXX and used my debit # to purchase a XXXX XXXX XXXX XXXX. for the amount of {$400.00} on XXXX and it was shipped to XXXX XXXX NJ. I do n't know anyone in NJ and did not make this purchase. I contacted Chase on XX/XX/XXXX and told them i did not buy it. They said they would look into it. They credited my account for the amount but then took it out on XX/XX/XXXX. XXXX acknowledged to me on the phone that it was fraud and the IP address is unknown. I asked for something in writing but they will not send me anything, I also contacted XXXX i have had no help from them as of yet, and they told Chase that my card # was used and the item was delivered and that is what Chase is going by for their decision to pay it. I also went into my bank and talked to them, they told me it was up to XXXX and XXXX to get my money back. I do n't seam to be getting any help from any of them and i keep getting the run around. I am also having problems in getting anything in writing.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08/25/2016 about Credit card () with CITIBANK, N.A. (TX).
Issue: Credit card protection / Debt protection

Complaint: In 1998, opened a Citibank credit card in college. Ever since, they 've charged me a " Credit Shield '' on purchases, which did nothing to my knowledge. When I could n't pay, I was not made aware of any services this " Credit Shield '' provided. Tried multiple times to have service removed. Open several, other Citi cards, never a problem. But in the XXXX decades, it 's cost me thousands of dollars and I want it all back. What a ripoff!

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