milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/20/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (CA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: 1. Fedloan Serving failed to inform me that upon being enrolled in an Income Based Repayment plan that interest would be capitalized on my account and that my balance would increase by more than {$15000.00} as a result. This occurred on or about XXXX/XXXX/2016. I complained to CFPB around that time and NOTHING has been done to rectify this. My balance shot from $ XXXX to $ XXXX overnight, even after making payments on the account for over a year. 

2. I had been working XXXX jobs in 2016 and lost XXXX of them in XXXX 2016. I now only work part-time and subsequently requested that my payments be lowered based on this significant loss of income. Fedloan Servicing has refused to adjust my payments even though my income has been decreased to only around XXXX of what it was prior to losing the XXXX job. The last communication I received from Fedloan Servicing about it, I was told that I had to fully re-apply for IBR in order for them to re-calculate my monthly payment amount, even though I had just been enrolled in the IBR plan REPAYE less than three months earlier. Of course, after the fiasco I described above in point No. 1, I now know that they are requiring me to re-apply so they can again capitalize the interest on the account to further increase my balance! At this rate, with Fedloan Servicing using every tool at their disposal to increase my balance at every turn, I WILL NEVER BE ABLE TO PAY THIS OFF!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MO).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: According to my credit reports dated XXXX/XXXX/XXXX. XXXX XXXX XXXX has an account listed with all three credit bureaus with incomplete and or inaccurate information. They are all listing incomplete account number, all three have different account status listed. One shows with XXXX closed/current/paid last updated XXXX/XXXX/XXXX, another with Equifax closed/derogatory/placed for collection updated XXXX/XXXX/XXXX, and the other XXXX closed/delinquint updated XXXX/XXXX/XXXX. I have disputed this account and it does not show my dispute on the credit reports. Two have the same phonenumber and address for the company listed the other one shows a totally different address and contact number. My disputes came back as verified. How can they come back verified if they are all showing different statuses. 
Thank You for Your Time

Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2017 about Money transfer, virtual currency, or money service (Virtual currency) with TD BANK US HOLDING COMPANY (NJ).
Issue: Other service problem

Complaint: TD Bank is blocking me from enabling external applications on XXXX exchange

Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: The credit bureau is not supposed to be reporting an  XXXX   XXXX  account on my credit report. The account number is "  XXXX  ''. They told me they would send a request to the  XXXX  credit reporting agencies to have this account removed from my record completely. I was also sent a letter back in  XXXX  directly from  XXXX   XXXX  confirming that they had already sent the request for deletion. I am including a copy of this letter from  XXXX  along with this complaint. I just had my credit pulled and I was turned down because the credit bureau is still reporting this account on my credit? Why has this not been removed from my report as promised?

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 01/17/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with SYNCHRONY FINANCIAL (PA).
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint: In XXXX 2017, TJX Rewards sent me a new store card that I activated to replace my old store card. I thought it was the same card - only usable at TJMaxx and its partner store. I tried over the past month to log in to my account to check and pay my balance but the card was not listed on my account and it said my old card had expired. 

I learned today after talking to customer service : the new card they sent is actually a XXXX that can be used in other stores like supermarkets. I imagine this is now on my credit report. It was misleading to send me a XXXX I did not ask for, since it was disguised as a store card. I do not want my credit report to show that I am opening new credit cards. 

I would like to close the account, but I worry that will affect my credit score. I also suspect that account managers and executives at TJX receive kickbacks for opening XXXX  under the TJX logo, similar to the XXXX XXXX XXXX situation last year.

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 01/13/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with DataMax Corporation (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have contacted them by US mail, email and phone to inform them this is not my debt. I have also filed disputes with all three credit agencies. They refuse to remove this erroneous debt from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: put a large payment down on the loan and asked that it be placed towards the principle. it was not, it was placed towards the interest.

Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2018 about Checking or savings account (Savings account) with JPMORGAN CHASE & CO. (FL).
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint: I would like to file a complaint. I was given a check for {$1800.00} and it was deposited on XX/XX/XXXX to my Chase Bank account. On the day of the deposit, only {$200.00} was available, and the rest became available the next day. I was then able to withdraw {$1300.00} in cash ( {$500.00} from an atm and {$800.00} from a bank teller ) and proceeded to spend the money. As of XX/XX/XXXX, the account that gave me the {$1800.00} was closed, so the money was returned, bringing my balance down to negative {$1000.00}, which Chase then charged me a {$12.00} fee for having a negative balance in my account. This is unacceptable. If I am able to withdraw money from a check that they cashed, that comes with the assumption that the check cleared properly, and I do not have to worry about the funds from that check disappearing on me. Now because I used the money that I thought was good ( since they allowed me to withdraw and use it ) and the account it came from got closed, my account gets punished for not being able to provide the money for the {$1800.00}, this is utterly ridiculous. You would think that a big banking corporation such as chase would have the ability to ensure that checks don't get refunded or denied before allowing a client to use the funds from it, but because of the companys oversight on this issue, I am left to deal with the consequences. Chase should have some sort of policy where they withhold allowing the client to use the money until they are absolutely sure that the money is good and the account it came from isn't closed. XXXX does this, so I would assume it wouldn't be difficult for chase to do the same. I understand that it is a courtesy to allow chase customers to use the funds within one business day, but I would rather wait to use the funds and potentially not be allowed to use them at all, then to be held responsible for having to pay {$1800.00} that I clearly do not have. Now because I have a negative balance, my account has been marked as *restricted* so I can not use any of the funds given to me by my own employers to even pay off the negative balance in my account. These policies are horrendous and do no service to the customer. Even worse, when I speak to anyone over the phone regarding this, I ask if it is possible for them to send me paperwork documenting their policies, or a transcription of our conversation and the universal answer I get is no. Please read through this and take note, I will be suing the company for being so irresponsible when writing up the policies for their customers. No one has been of help at all, and this needs to change.

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with CAINE & WEINER COMPANY, INC. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Caine & Weiner ( C & W ) is attempting to collect a debt that is erroneous and not owed. I have filed complaints with the CFPB on this issue before, but it continues to be an ongoing issue, with several debt collectors involved. In numerous exchanges with the City of XXXX XXXX XXXX and several debt collection agencies, my attorney and I have demonstrated that the debt is erroneous, and that it has exceeded the statute of limitations on municipal debts. All debt collection agencies, including XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX, and XXXX XXXX XXXX have dropped the debt. XXXX has pursued this debt on two separate occasions, and in both cases, has dropped the debt. The evidence my attorney and I have amassed demonstrating fraud, negligence, and incompetence on the part of the City of XXXX XXXX XXXX XXXX XXXX is considerable. C & W is now in serious violation of the Federal and California debt collection practices acts in even attempting to pursue this since, even if valid - which it is n't - the collection of an alleged debt from XX/XX/XXXX-XX/XX/XXXX would be barred by the statute of limitations under California XXXX of Civil Procedure sec XXXX. C & XXXX is aware of this fact and is acting tortiously and harassing me. See City of XXXX vs XXXX, Cal. Court of Appeal XXXX District. There is a 3 year statute of limitations. I strongly urge the FTC and CFPB to investigate C & W 's debt collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2017 about Money transfers (International money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (IN).
Issue: Fraud or scam

Complaint: XXXX XXXX VIOLATED THE DODD-FRANK ACT ON ME AND ALLOWED ME TO BE SCAMMED FOR XXXX IN US.DOLLARS.

Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
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: I sent several letters to credit reporting agencies and creditors requesting to remove inquiries that I did not authorize.

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 03/21/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (AL).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Navient services both my Federal and private student loans. On XX/XX/2017, I wrote a check in the correct payoff amount for my smallest private ( consolidated ) student loan, using the directions on their website. I included a letter instructing them exactly which loan I was paying off. Navient cashed my check and did n't post the payment. I called them and the representative told me to get a copy of my bank statement and upload it to their website. I uploaded my bank statement showing where they cashed my check and also uploaded another copy of the letter with my instructions on which loan to pay off. They posted the payment, but they did not pay off my loan. They spread my payment out over all of my Federal loans, instead of following my instructions. I called them again on XX/XX/2017, spoke to a representative named XXXX, and explained to him that my payment was not applied correctly. He told me that he would put in a request to have the payment adjusted and it would take one week. Today is XX/XX/2017 and the payment mistake has not been corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (HI).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint: Experian Credit Report Company. They claim free credit report. When your alerted to a problem, your told to check your credit report and every time there has been no problem. What happens when you order your {$1.00} Credit repor and FICO Score you begin a 7 day trial membership. If you don't cancel within the 7 day trial period, you will be charged {$21.00} per month that you continue membership ( my charges have been {$2400.00} per month ). I tried to cancel many times but you can not get in contact with anyone. Phone calls are not answered, only put on hold. This has been going on monthly since XX/XX/XXXX ( {$190.00} ). Again, I have tried several times to cancel the so called membership but no answer per emails or website. This is truly a scam and needs to stop. I'm not alone as you can read below taken from Experian reviews taken from the Web : XXXX of XXXX, NY Verified Reviewer Original review : XX/XX/XXXX They trick you into ongoing membership and it's nearly impossible to cancel - they put you on hold OVER AN HOUR! Just filed a complaint with the Consumer Finance Protection Bureau. Supposedly they will investigate and contact them. Please file a complaint here https : //www.consumerfinance.gov/ and  maybe something will be done! 

XXXX of XXXX, MA Verified Reviewer Original review : XX/XX/XXXX Same story as everyone. I paid for a credit report and randomly discovered charges to my credit card from Experian. Now I get to wait on the phone for >2hrs to cancel the membership I didn't want, I didn't know I signed up for, and that I need to waste a lot of my time untangling. Absolute **. Absolute scam. And, absolutely no surprise that everyone else has nothing but horrible things to say about Experian. 
XXXX of XXXX, OR Verified Reviewer Original review : XX/XX/XXXX XXXX of XXXX, OR Verified Reviewer Original review : XX/XX/XXXX To get a credit freeze, after the big XXXX data breach, Experian asked for a lot of information, and then at the end of the filling out info turns out they were trying to SELL me not help me, for $ XXXX/month. I called in the very day and after being on hold for a very long time, they told me they cancelled it, which they did not, and I've been charged ever since XX/XX/XXXX. When I called and complained they said they would cancel me -- but remember they already did that in XX/XX/XXXX, and they offered to give me a month of the more than 80 they charged me. VERY bad customer service, and unfair billing practices. Not a happy customer, and sounds like I am not alone.

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 08/19/2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (PA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I had an account with XXXX XXXX XXXX, Midlund Funding purchased it as a past due account. They took me to the local magistrate for payment. They were awarded just over {$1100.00}, not the {$1500.00} that they state I owe. I have repeatedly asked them to correct this amount. They filed paperwork at XXXX County Pa stating that I owe {$1500.00}. The courthouse will not correct it without Midlund Funding correcting it. I need this corrected and removed from my credit report as incorrect.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-08-2018 about Mortgage (VA mortgage) with PLAZA HOME MORTGAGE, INC. (MS).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: On XX/XX/XXXX Plaza Home Mortgage took XXXX out of our escrow account and paid themselves XXXX on XX/XX/XXXX. 

Then XX/XX/XXXX the loan was released with a negative escrow of XXXX to XXXX XXXX XXXX. In the month of XXXX our mortgage payment went from XXXX to XXXX which put me and my family in a tight spot. 

We refinanced our house to pull funds out of equity to pay off other debts so we could afford this new house note our starting principal was XXXX and our now principal is XXXX. 

We also had the hardest time paying off my loan care because they rejected the pay off amounts 4 times once I did a conference call with the lady from title source they put us on hold and hung the phone up in my face. They said the reason for rejecting the payment because it was not the full amount and the lady from title source said that is not the case so after they hung up the phone it left me with no other option but to pay XXXX to meet the new pay off amount with hopes of them closing out the loan so I wont have two mortages open at the same time.

Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NC).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I have a large amount of outstanding student loan debt and being the first in my family to graduate from a four year university, I was completely not prepared for what I was in store for. Fresh out of college and being bombarded with delinquency calls when I did n't even have a full time job, I was overwhelmed. My father made 3 different payments of {$9500.00} and come to find out years later, they applied the payments as regular monthly payments which went completely to interest and not a cent to principle. I was n't made aware of this until years later when I ran out of forbearance options and they would not accept what I was offering them monthly. As a result they ended up charging off XXXX of the loans and the allowing me to enter into a repayment plan paying the same amount I was originally offered before they charged this off on my credit. I just feel as though they took me for a ride and paying the ultimate consequence because I was not properly Informed. They destroyed my credit only for me to make the same payments I told them was affordable from the beginning but was not good enough.

Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2015 about Debt collection (I do not know) with ZWICKER & ASSOCIATES (CO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received a call from Zwicker and Associates on XXXX/XXXX/2015 from phone number ( XXXX ) XXXX. I returned the company 's call and inquired as to what they were calling about. The representative I spoke with confirmed that they called me in error and that they had no account related to my phone number. I received another call from Zwicker and Associates on XXXX/XXXX/2015 at XXXX. I do not have an account in collections and the debt they are contacting me in regards to is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2015 about Credit card () with AMERICAN EXPRESS COMPANY (PA).
Issue: Billing statement

Complaint: American Express does not list the actual due date of my credit card statement. Instead, they put a " Please Pay By '' date that is early in order to trick consumers into paying off their bill early. This is extremely misleading and, frankly, predatory. Companies should be required to list the actual due date of a bill to avoid fees and credit issues - it is a pretty simple request.

Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2016 about Consumer Loan (Vehicle loan) with GENERAL MOTORS FINANCIAL COMPANY, INC. (IL).
Issue: Managing the loan or lease

Complaint: GM Financial is a rip-off company. I got a deferment for my car loan through GM Financial and they forced me to pay XXXX and to give them my phone number when there is a cease communication on my account. I do not want GM FInancial calling me period, ever. They do not have permission to contact me of any references via telephone. They only can contact me in writing. They give me all these random stipulations in order for them to grant me a deferement. I spoke to XXXX who said he was the collections manager and he said that the only way that I could get the deferement is if I give him my license plate number. That has never been requested in order to process a deferment. I explained to GM Financial that I had came across hard times and loss a loved one and had to help come up with funeral expenses so I needed to defer my loan. They still forced me to pay XXXX in late fees and XXXX for a deferment fee. I feel that this is EXTREMELY unethical. I spoke to XXXX different reps today and they were so rude, incompetent and unprofessional. XXXX was going to process my payment over the phone but ALSO charge me XXXX extra dollars for a payment processing fee. This is not a good way to treat a valued customer. I would like to opt out of ALL advertising and any further communication from GM Financial. I do not want to be emailed only sent paper letters in writing regarding my account. They are a terrible company to do business with. I do not see how it is legal for them to MAKE UP rules and stipulations surrounding processing a deferment. I feel that it is ruthless ans dirty for them to make me pay fees that I really did not have behave as savages requesting private information from me.

Company response to consumer: Closed with explanation