milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/21/2017 about Student loan (Federal student loan servicing) with ECMC Group, Inc. (NC).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I completed a Default Clearance letter maybe 2 years ago. I completed a FAFSA this year the school and Federal Department still have the Default classification on there. This company and my interaction with them strikes me a hostile, and antagonistic and one-sided in the way they have chosen to conduct business with me. They are reporting a total amount from education loans from 25 years ago. I went to another XXXX school and took 2 classes. Then they " consolidated '' and claimed I owed from the loans 2 decades ago. I had n't heard anything about owing on a loan until I took the 2 classes at the less expensive school and an offset was approved. I feel like I am being attacked. This company called me 4-5 times a day back in 2008. Last year I agreed to make voluntary payments for $ XXXX- that was the asking price. As I have applied to get financial aid at other institutions, this rehab loan keeps coming up. I was unaware that this categorization of my loan account was going to prevent this. Negotiation is at the core of most business transactions- it 's a give and take. I feel if I can pay voluntary- that 's what they asked me to pay- and someone on their team can be more flexible to allow me to move forward.I was reluctant to keep contacting them, because they said they were not reporting anything and starting sending me privacy policy notices. I thought there was some kind of legal proceeding that had occurred - like a gag order. Im just really confused as to why I keep having the same conversations with them almost every year. I really need a normal professional business person to help me with this.

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 08/27/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Billing disputes

Complaint: I have a consumer credit card with Kohls.com and buy products from them and pay off the card. When a product does not work, does n't fit for example, they will not issue a credit on the card. They issue a merchandise credit that requires buying more to get the value back. 

I do n't like it. And especially in this last case, I ordered women 's shoes size XXXX, they did n't fit, and there was no paperwork to return them, XXXX paperwork. I called. They were not helpful, said they did n't have to provide paperwork. Drive XXXX miles to return them at store, they issued a card for purchasing from Kohls to compensate. I ordered size XXXX and waited, what came was men 's size XXXX, and while my name and address were on outside box, paperwork in the box showed it was a sales to another customer, in XXXX ( I am in XXXX ). Their error, not mine. And I communicated, and then after Kohls told me it would be picked up I have received two messages via email asking me to take it to the store XXXX miles away. I told them they can pick them up if they want them, and I do not accept charges for the order that I did not place for size XXXX men 's shoes.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04-01-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Amsher Collection Services, Inc. (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: A XXXX account was transferred from my name to another person upon establishing their credit with the cellular company on XXXX/XXXX/XX/XX/XXXX. When I ran my credit report on XXXX, there was a collection account on my credit in the amount of {$940.00} placed on XXXX/XXXX/XX/XX/XXXX without any notification whatsoever. The transfer was a success and whatever happened after that, it should not be my responsibilities. Currently, I still maintain my primary account with XXXX for the last 8 years without any missed payment or late fee.

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 Credit card () with CAPITAL ONE FINANCIAL CORPORATION (TN).
Issue: Delinquent account

Complaint: I have paid my capital one bill and they are reporting me late.

Company response to consumer: Closed with explanation
Consumer complaint received 12/24/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (NY).
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint: Hello, I 'm contacting the CFPB because I 've been reading about the current lawsuits on Navient and whether or not it affects me in some way. 

I went to college around early XXXX and finished in XXXX. My first loans were three private loans ( or Signature Student loans ), which at the time all I knew was I did  n't need my parents to sign for them. At the start they added up to around {$20000.00}, and they are now about {$24000.00} due to past late payments and interest adding onto it. Any other loans I got after that were federal, which are now covered via IBR. 

Currently I am part of Naviant 's Rate Reduction program, but this was only given to me AFTER I was behind a few months worth of payments. They did n't tell me about this program until I was left with no other choose but to moved back in with my parents because I would n't afford rent and loan payments at the same time. When I asked why they did n't tell me about this before and saved me the headache and tears, all I got was 'some people in Navient just do n't want to do their job ', or something to that degree. This was in mid XXXX when I finally was able to start paying on those loans again ; {$190.00} every month. Before my payments were double that, not counting the interest. I believe Navient failed to inform me about this program, which lead to increase XXXX and XXXX. 

Before any of this, I had made payments to Navient in advance on my private loan, up to a year 's worth. This was back when Navient was known as XXXX XXXX. I do n't know what happened, but when XXXX XXXX become Navient, all the records on those advance payments I made were gone. I checked my account and I could n't find any records on them, which were there before the change. I called them ; they claimed there was nothing on their end. This is what caused me to move out of my apartment, back to my parents, and endure phone calls demanding money I did n't have for the next few months. That was when I was finally offered the Rate Reduction program. 

The more I thought about it, the more it felt like I 've been XXXX by Navient into paying even more on my private loans. I 'm also beginning to wonder if the nature of my private loans are even legit. I would love to have someone help me with this, if they could.

Company response to consumer: Closed with explanation
Consumer complaint received 08-07-2017 about Student loan (Federal student loan servicing) with AES/PHEAA (TN).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I am a XXXX XXXX so I am part of the PSLF program in order to have my loans forgiven. Part of that process is re-certifying my employment and income each year. On XXXX XXXX, 2017, FedLoan Servicing stated that my new payments would be {$470.00}. I called in to confirm that my employment verification was also received. The person on the phone told me I could have an even lower payment amount if I switched to the REPAYE program and that it was still one of the covered plans under PSLF. I certainly would love a lower payment so I switched. Today, XXXX XXXX, 2017 I received an email that my new monthly amount was {$790.00}!!! Almost {$300.00} more than my previous payment. I would have NEVER switched plans if this was going to happen. FedLoan Servicing said they made a mistake in their original calculation of {$470.00}. I want to go back to my old plan and my old monthly amount.

Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MI).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: My name is said to be one of the millions of people that had personal and financial information hacked, in the Equifax security breech 2017. If anything should happen to my financial information or credit because of this breech, I want XXXX to be held responsible and to correct the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 09-04-2015 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: The credit card company in question starting from XXXX/XXXX/2015 to today have made SEVERAL calls per day without leaving a voicemail and the few times I have answered the phone, the caller has hung up. Thus violating the Fair Debt Collection Practices Act section 806 by " Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/13/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with BAYVIEW LOAN SERVICING, LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: ii WAS CHARGED FOR FLOOD INSURANCE EVEN THOUGH I SUBMITTED PROOF THATWAS ACCEPTED BY THE COMPANY, BAYVIEW LOANS. 

THIS IS PREDATORY!

Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2018 about Credit card or prepaid card (Store credit card) with WELLS FARGO & COMPANY (NH).
Issue: Getting a credit card
Sub-issue: Application denied

Complaint: I told the lady I was filing a complaint and she almost laughed over the phone at me because I was asserting my rights. All I was trying to buy was a {$350.00} futon. I get more than enough XXXX to afford it but Im trying to repair my credit. According to the email they sent me I was denied for insufficient income/Low income. According to the FTC website they can not knowingly and willingly deny me credit since my income is guaranteed and it comes from XXXX payments. 

The FTC website also states I can pursue a cause against the company in federal district court for a claim of discrimination and recover punitive damages. I am thinking seriously about it. If theyve done it to me theyve done it to someone else. A violation of this matter the s also a possibility violation of civil rights. For everyones information : to bring a suit in federal district court you need to ask for at least {$75000.00} in damages. 

Regardless how this turns out I will write a notice on XXXX review and XXXX warning them to stay away at all costs. That you must need to make {$50000.00} to be able to buy from there apparently. The poor and medically XXXX arent wanted.

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 02-09-2017 about Student loan (Non-federal student loan) with DISCOVER BANK (AL).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I have 3 loans with Discover Student Loans and I have requested a lower payment, but they have said it is not possible to do before the charge off date of the loans. They are not willing to allow me to make a lower payment at this time in order to provide me with time to avoid charge off. At this point, they are forcing me to only move toward charge off of the loans because of their refusal to provide options.

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Aargon Agency, Inc. (HI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: The original debtor XXXX claims that I owe on a past electric bill while living in XXXX back in XX/XX/2012. I explained to the original creditor as well as the current debt collector that I have not ever lived in XXXX, and to provide me proof that I owe a debt. That is, to show me, any past checks, and/or receipts paid to this account. I have not received anything from neither creditor, yet they are claiming I owe {$250.00}. This is not my debt. Furthermore, the company named in this complaint has had several complaints filed against them for unethical business practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX & Experian has different information regarding this charge off. This account was closed twice once in XX/XX/XXXX and XX/XX/XXXX according to Experian. XXXX only has record of it being closed once. I'm not sure if they both have the same charge off date but Experian reported XX/XX/XXXX as the final charge off. They both have inaccurate information regarding this debt.

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 11/15/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am filling this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified. '' that I have disputed. Please resolve this matter as soon as possible. Thank you.

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 11-04-2017 about Checking or savings account (Checking account) with BBVA COMPASS FINANCIAL CORPORATION (AZ).
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint: On XXXX XXXX, XXXX I applied for a small business checking account online with BBVA Compass. I specifically chose BBVA Compass because they stated on their website that one could open a new business checking account online. I completed the application process successfully. 

On XXXX XXXX, I received an email from XXXX XXXX at BBVA. She asked some questions XXXX answers to which had been supplied during their online application process ), including whether I wanted to use my Social Security number or my business EIN number for the tax reporting on my account. I had supplied my Social Security number during the online application process, but also provided my company XXXX number for the tax reporting in a response email the same day. It does not matter to me if my XXXX or XXXX is used for tax reporting purposes for this account. Since I am a sole proprietor of this business, the tax process is the same for either number. 

On XXXX XXXX, I received a response from XXXX XXXX stating that since I had provided my EIN number, they would not be able to open the account. Instead, she said I would need to visit a BBVA branch location to open the account. She informed me that she had canceled my online application. 

I feel that BBVA was deceptive in this case by offering to open up a checking account online, but failing to do so. If the representative from BBVA would have explained to me the difference between using my SSN vs the EIN for the business, I would have chosen to use my SSN to open the account. I suspect that this offer to open the account online was just a bait and switch tactic in order to drive people to their physical branch locations where they would be able to use additional high-pressure sales tactics in person.

Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2018 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (MD).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I have a credit card with XXXX XXXX. A type of service through them was added to my account with out my knowledge or permission. When I did not pay them for this service they added late charges to the amount and have recorded my account over 30 days late on my credti report.

I never keep a balance on the account and when I last used it for purchases those were 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 05-10-2017 about Checking or savings account (Checking account) with CITIZENS FINANCIAL GROUP, INC. (CT).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: I made an atm deposit on Sunday  XXXX   XXXX  for {$450.00}. {$100.00} cash and {$350.00} check. I also submitted credit card payments for processing on Monday  XXXX   XXXX . I was unaware that the deposited funds would not be available before the debit of the credit card payments came out of the Account. I was charged {$35.00}  three  separate times for a total of {$100.00} over draft fee which is outrageous. The account is always in good standing and never overdrawn.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08-12-2015 about Credit reporting () with Experian Information Solutions Inc. (VA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: My application for a " secured '' credit card was declined today because of false information on Experian credit report. Experian is reporting that a civil case in XXXX court from 2009 is still open and unpaid and the truth is the case is closed on the same date in 2009. I tried to order a copy of my credit report from Experian but they want my to send documents to prove who I am and they want me to pay {$20.00} for the credit report. I have n't been able to get a credit report in years as evidenced by the false information they are reporting since 2009, I am entitled to a free credit report, and my current address is the same address they used to provide false information on my credit report. I want my free credit report so I could address the false information experian is reporting, ther is no reason for them to charge me {$20.00}

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2015 about Credit card () with PAYPAL HOLDINGS INC. (OR).
Issue: Unsolicited issuance of credit card

Complaint: I accidentally mistaken PayPal Credit for PayPal Balance. I switched to a new computer thinking that I was verifying my computer and not knowing I was actually applying for credit application. The application process is so deceptive and I could not make a difference between applying and sign in. This easy process should not be allowed since most of the time when applying for credits, I was asked with XXXX questions about my credit reports. 

I was so surprised because usually " my default payment '' has always been PayPal Balance and not applying for credits. I accidentally applied exactly 25 minutes ago prior to submit this complain. 

This practice should NOT be allowed. Applying credit should not be this easy by just providing your birthday and last XXXX digits of SSN. My personal information was originally intended for PayPal account verification and should not be a shortcut to apply for credit.

Company response to consumer: Closed with explanation
Consumer complaint received 07/16/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (TX).
Issue: Loan modification,collection,foreclosure

Complaint: In XXXX of 2012 We had some financial issues and had to file for chapter XXXX bankruptcy. Immediately following our filing date, Ocwen did an escrow adjustment raising the amount of our monthly payment from {$480.00} to {$660.00}. They also at this time stopped sending us a monthly statement. When I talked to a representative they told me their system was down and were unable to send a statement at that time nor did they tell me of the rate increase. Being that we had just gotten all the necessary paperwork completed for the bankruptcy, we were under the assumption that all delinquent amounts were accounted for and set up in the payment plan to our trustee. After several months the bankruptcy attorney had informed me that Ocwen had still not responded to the claim from the trustees office and asked if I would contact them to see what was the matter. I contacted Ocwen a second time and was told they had not received a claim. I again asked about a monthly statement and was told again that their system was down and no one was getting a monthly statement. Soon after, the bankruptcy attorney contacted me again stating that Ocwen had filed the claim, however it was past the deadline and rejected by the trustee. I contacted Ocwen a third time and was told we needed to file for a modification and that the claim amount they filed was incorrect. They also informed me that we were now further behind in our payments. I told them we had been making our payments every month and they said they were not accepting the payments because they were only partial payments. This is when I became aware of the additional amount for escrow. I told them I was unaware of any increase because they had not been sending us a monthly statement. I inquired about the statements again and got the same response as the previous XXXX times. Time has gone by and we still have no resolve in the issue. The trustee has not made any payments to Ocwen, because they have no claim on file. Ocwen also failed to notify the trustee of my monthly payment increase. I have contacted Ocwen again and reapplied for a modification but was denied. I asked about monthly statements again and was told this time I needed to request them. So, because of Ocwen not following through the way they should have, and because of not getting any statements showing what was due, they are now showing us to be more than {$12000.00} behind our original amount past due which at time of filing was just over {$3800.00}. This has now placed approximately {$400.00} a month more towards our monthly expenses. {$170.00} towards our mortgage and an additional {$200.00} towards our trustee payment. We are trying very hard to make this right and to keep our home. However, we feel that Ocwen is doing everything they can to make this impossible.

Company response to consumer: Closed with explanation