milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-10-2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: In XXXX, we needed to put our son in XXXX school to help him XXXX, and could not afford the lump sum at the time. To still be able to give him what he needed, we took out a student loan from XXXX XXXX, of only {$3800.00}. We have made payments of between approximately {$42.00} and {$48.00} per month, as directed by XXXX XXXX, for over 7 years to this date, XXXX XXXX, but the loan payoff had only reduced to {$3300.00} - by merely {$500.00} - over the course of 7 years. The payoff date shows as being in XXXX. 
When we got this loan, we had no idea that it would be so unbelievably onerous. It was with XXXX XXXX, who in fact had our federal loan, which was so easy to manage. This is horrible - the interest rate is 10 %, but this feels like it is worse, from the standpoint of how long they are taking to pay off such a small loan, than even high interest credit cards - if not similar. How is there any reasonable way that over seven years of payment sof close to {$50.00} per month result in a loan principle reduction {$500.00}? That is truly unbelievable, and completely immoral. We were in no way clearly told that the loan was essentially being structured like a front-loaded 15-year mortgage, vs. a basic, standard, simple interest loan. XXXX XXXX has offered no recourse or alternative other than paying off the loan in full, and has been completely uncooperative in looking at any way to structure the loan in any way that could be seen as reasonable. 

This is a {$3300.00} loan - there is no justification to structure a {$3300.00} loan like a 15 year mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 03/13/2016 about Debt collection (Medical) with Commonwealth Financial Systems, Inc. (OH).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Received letter dated XXXX XXXX 2016, XXXX XXXX XXXX, Amount {$1200.00} I called the company demanding original creditor information and who the account belonged to. They could not provide any information about the debt at all. 

I sent a certified letter demanding validation of the debt with no response to this date. 

I disputed with CRA 's but Commonwealth is affirming the debt. 
This is fraudulent and needs to be removed from my CRA 's immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2017 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Repeated phone calls after i have answered twice and asked for them to stop

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2016 about Consumer Loan (Vehicle loan) with EXETER FINANCE CORP. (NC).
Issue: Managing the loan or lease

Complaint: The company that I have my vehicle financed with will call my house, my work & my cell every 30-45 mins & when the answering machine picks up or voice mail starts, they hang up without leaving a message or call back number or anything. This is very annoying, harassing & downright unprofessional to say the least. All of our payments are made online & on time. I do n't know what their problem is but it needs to stop. They 're XXXX companies that I have this problem out of. They are Exeter Finance & XXXX XXXX. I will not recommend these companies to family or friends due to the fact this harrassment is constant, daily & lots of times late into the night whenever they call.

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2017 about Mortgage (Reverse mortgage) with NATIONSTAR MORTGAGE (MS).
Issue: Loan servicing, payments, escrow account

Complaint: Our home was completely destroyed by a XXXX. We had a reverse mortgage with Champion Mortgage. The lender cashed our insurance settlement check of {$210000.00} and we were given a loan payoff in XX/XX/XXXX of {$110000.00}. In XX/XX/XXXX, we did not receive our balance from the insurance check. Instead the lender gave us another payoff balance that was an additional $ XXXX by adding mortgage interest and mortgage insurance ( for a home they cashed a $ XXXX check ). We have been homeless since XX/XX/XXXX and can not buy another home because this lender is : 1 ) continuing to charge us interest and insurance each month even though the lender cashed a check to payoff the mortgage 2 ) lender will not process our loan payoff 3 ) lender has stolen our balance due from insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2017 about Debt collection (I do not know) with Texas Guaranteed (ND).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I recently learned that Texas Guaranteed Student Loan Corp. was reporting that I allegedly owe them a debt. I mailed notice disputing the alleged debt. I sought numerous, very specific documents that would substantiate TG 's claim that I owed them any debt. I am attaching a scanned copy of the request, the credit report, along with all other pertinent documents. 
In reply, I received from TG : " a True and exact copy of the original '' alleged note which shows TG as the Guarantor or lender. TG also provided an alleged account summary claiming the original lender was XXXX for XXXX. TG has been reporting in my credit report that this alleged debt originated with XXXX. 
I disputed the debt with TG and in response TG stated they verified the alleged debt by providing me with the fraudulent documents I described above.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint: On XXXX XXXX, XXXX, I realized that my core checking account at Bank of America went into overdraft after being charged a $ 12 monthly maintenance fee. I then noticed I was charged the same $ 12 monthly maintenance fee on XXXX/XXXX/XXXX. I called BOA at XXXX to understand why I was charged a monthly maintenance fee and I was told that letters went out in XXXX XXXX that certain waivers would now be charged for this account if it fell below a daily balance of {$1500.00}. I requested that I be refunded the {$24.00} for the maintenance fees so that I could close out that account and that I did not receive the notice about the new fees. 

I was told by a supervisor by the name of XXXX, employee ID XXXX, that the fees charged would stand. I explained to her that I did not receive such notice and if I would have, I would have closed out the account at that time. Since BOA had a correct mailing address for me, she refused to waive the {$24.00} in maintenance fees. This account was opened on XXXX XXXX, XXXX and I have never received any monthly maintenance fees on this account at all until XXXX XXXX, 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 monetary relief
Consumer complaint received 02-01-2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (TX).
Issue: Loan modification,collection,foreclosure

Complaint: I resubmitted my application on XXXX XXXX, 2015 to have my loan reviewed for a modification. I have been trying to reach my assigned representative XXXX XXXX and have not been able to reach her. I received a letter on XXXX XXXX, stating my request was closed due to missing document. Until then, I had not been advised that there were documents needed to complete my request. I would of sent them in had I just been informed.

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 01-07-2018 about Debt collection (Credit card debt) with SYNCHRONY FINANCIAL (FL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: HHGregg sold a defective, incomplete XXXX dishwasher. Id tried my best to resolve this issue to no avail. As a consumer, I cooperated and made every possible effort with the store where I bought this appliance. Then, HHGregg when bankruptcy. 
Since then, they first ignored my complaint with the XXXX Consumer Service Department ; later they have tried to shield themselves with the 30 days returning policy technicality, which is absolutely unfounded as explained in the chronology enclosed. 
I am XXXX years old, XXXX since 2003 and within my limitations and income- I have jealously complied and protected my credit. Even with this same bank SYNCHRONY, I have several other credit cards and never a single issue. 
I need your assistance in this matter. I want to avoid expending {$170.00} in filing a Small Claim Court. I  lived on a strict limited income of a XXXX check from my retirement. 
Your support in highly appreciated!

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 monetary relief
Consumer complaint received 05/27/2016 about Credit reporting () with EQUIFAX, INC. (RI).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Disputed an inquiry made by " XXXX XXXX '' on XXXX XXXX, 2014 to Equifax. I have n't done business with XXXX in nearly a decade and positively did n't authorize them to make an inquiry. 

Equifax responded that inquiries " are a factual record of file access '' and as such wo n't be removed by Equifax , regardless of whether or not authorization was given for the inquiry to be performed.

Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2017 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: XX/XX/XXXX XXXX XXXX i have called, sent in letter 's. XX/XX/XXXX XXXX XXXX sent in letter 's XX/XX/XXXX XXXX of i have called, sent in letter 's XX/XX/XXXX XXXX XXXX sent in letter XX/XX/XXXX XXXX XXXX sent in letter XX/XX/XXXX XXXX XXXX XXXX called and sent letter to dispute XX/XX/XXXX XXXX XXXX sent letter to dispute XX/XX/XXXX XXXX called and company sent letter XX/XX/XXXX XXXX sent letter XX/XX/XXXX XXXX XXXX XXXX XXXX called and sent letter to dispute XX/XX/XXXX XXXX XXXX XXXX XXXX called and sent letter

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/27/2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Cash advance fee

Complaint: I have XXXX Bank of America credit cards. On XXXX/XXXX/2015 Bank of America showed online that I had a roughly {$3000.00} dollar balance on credit card # XXXX. I, in fact, had a {$3000.00} dollar balance on credit card # XXXX. I paid {$3000.00} to credit card # XXXX. This resulted in a - {$2900.00} credit on credit card # XXXX. On XXXX/XXXX/2015 Bank of America showed online that I still had a roughly {$2000.00} dollar balance on credit card # XXXX. I again paid {$2000.00} to credit card # XXXX. This resulted in a - {$4200.00} on credit card # XXXX. On XXXX/XXXX/2015 I attempted to shift {$3000.00} of then then - {$4100.00} credit back to my regular checking account with Bank of America via the online transfer. I was charged a {$150.00} fee for this. At the time, I had a - {$4100.00} credit on the credit card.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 07-08-2017 about Student loan (Federal student loan servicing) with NELNET, INC. (NY).
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint: I requested an Income Base d Repayment Plan to begin paying back this loan. I submitted the Income Based Repayment Plan application back to Nelnet along with my 2016 Tax return to confirm my annual salary which is only about {$ XXXX  }  a year. Nelnet keeps sending me  Emails demanding that I pay them {$1900.00} a month that I ca n't afford.

Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2018 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I've receiving calls and mail from a debt from XX/XX/2013 from a company that I don't know. Asking for bank account to collect amount or partial payment over the phone. stating that my information was sold to them and they are entitled to collect money from me.

Company response to consumer: Closed with explanation
Consumer complaint received 05/16/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Tate and Kirlin Assoc (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: Tate & Kirlin Associates ; XXXX XXXX XXXX, XXXX, PA XXXX XXXX, ( XXXX ) XXXX has sent me XXXX notices in the last several months trying to collect a bankrupted debt. I have thrown out countless other notices after sending them two letters concerning the Bankruptcy and all pertinent information. They do not care. They continue to harass me.

Company response to consumer: Closed with explanation
Consumer complaint received 05/28/2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (FL).
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint: midland funding is trying to garnish me and I have been trying to settle this account and they wont call me back. I am sick and cant be going through this. 
They dont want to call me because they dont want to settle the account and just want the payment in full

Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (NV).
Issue: Identity theft / Fraud / Embezzlement

Complaint: As you may know, I am a victim of identity theft. I have called and called and called this merchant SEVERAL times. Every time I call, the hold time is at least a half hour to an hour. I keep getting different answers/responses and keep getting transferred around to different departments. I also end up speaking to someone who has terrible XXXX, which makes me feel that my issue is n't being reported/handled correctly since they can not understand me well. This card was opened in my name about three years ago without my permission. I call every couple months to see what the status is. I do not know what is going on or what the status is, but they are somehow not correctly or effortly assisting me with this. I called and disputed charges in the mean time as fraud since it is more difficult to have this credit card removed from my name. While I am waiting, there is still more and more charges occuring. Luckily, the bank has shut down the card about 10 months ago. Although somehow there are a couple of merchants still being able to charge my card. I have called a few months ago and advised them that I recently noticed an unauthorized large payment ( approx. {$9700.00} ) come out XXXX of my bank accounts. They still have not returned this money to me! How can a payment be taken out of my bank account when it is closed and the card was opened it without my permission? Furthermore, there was checking accounts that was opened with this bank in my name also without my permission and they 're now overdrawn. I reported that to them and they denied it. I am getting very upset because this is not my account and money was taken out of my checking account. The bank also contacted me asking me if I was trying to access my account at a time that I was n't, hence how I know someone is stealing my identity. I can not even access my account online to see anything. PLEASE RESOLVE THIS! Sadly, I can only trust my government more than my bank. This is not 0 % fraud liability as they always say!!!

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 09/15/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (CO).
Issue: Other

Complaint: phone number XXXX calling early morning around XXXX. thought there was a law that collection calls can not be made before a certain time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 12-06-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I checked my credit on XXXX XXXX around XX/XX/2016. And then again around XX/XX/XXXX. There were inquiries that were removed and put back on. I Called and spoke to numerous reps and they refused to connect you to a supervisor or anyone in American offices to remove the inquires due to the Transunion Glitch. Some of the representatives were even belligerent and knew of the issue but told me too bad. I would like the following inquires removed as a result of 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 11/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: On XX/XX/XXXX I have contacted all 3 credit companies and the department of education about getting my student loans either completely off my credit report or partially off it. Reason being is because 2 are pass the statue of limitations. XX/XX/XXXX-XX/XX/XXXX. They said that they will fall off in 10years. Ive asked them why 10years when its suppose to be 7years for it to stay on your credit report. Because its still on my credit report I simply can not get a house loan. All Im trying to do is move into a house with my kids and no one will assist in removing my student loans. I understand that I still will owe on the debt that I dont have a problem with but I cant not acquire credit with the student loans being on my credit report. The credit companies tell me they cant dispute them off and the student loan company says the same thing. No luck getting any assistance 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 12/26/2017 about Mortgage (Conventional home mortgage) with RUSHMORE LOAN MANAGEMENT SERVICES LLC (CA).
Issue: Trouble during payment process

Complaint: Borrower : XXXX XXXX XXXX Loan # : XXXX Property Address : XXXX XXXX XXXX, XXXX XXXX, CA XXXX Phone : XXXX Rushmore failed to pay my homeowner 's insurance in XXXX, XXXX. After several attempts to get Rushmore to pay my insurance, all of which seemed to fail, I determined that despite assurances of agents of Rushmore that it would be paid I elected to not go without my insurance any longer and pay it immediately. I was about to leave for 5 weeks ' travel in XXXX and could not allow non-coverage to continue. I financed this payment on a XXXX card and now owe additional interest on the sum because Rushmore has failed to reimburse me. 

I was told that only if I sent a demand for payment to the " Consumer Affairs Dept. '' at Rushmore could I be paid. I submitted the letter by FAX on XXXX XXXX, XXXX, as instructed, and received an acknowledgment letter dated XXXX XXXX, XXXX, stating that a response would be sent in 30 days. I have not received any response. 

I 've called again on XXXX/XXXX/XXXX and was informed that my claim was still being " researched '' and an expected date of completion would be XXXX/XXXX/XXXX. I received no communications and called Rushmore again on XXXX/XXXX/XXXX and was told that I could be sent a check for {$860.00}, not the {$990.00} for reasons that were unclear. I again explained that the amount was {$990.00} and that lesser amount offered was unacceptable. The agent assisting me said she 'd update the documentation and that she 'd call back on XXXX/XXXX/XXXX to update me on my request. No call was received. 

Now, XXXX/XXXX/XXXX, I 've again called and was told today that a " review '' was in progress and I could expect something on XXXX/XXXX/XXXX. The agent confirmed that the money was in our escrow account. 

All of this is unacceptable. Rushmore failed to pay the homeowner 's insurance, causing my insurance company to threaten to terminate my coverage. When Rushmore could not make any firm commitments as to when payment would be made on this matter, I determined to pay it out-of-pocket to maintain my insurance. Rushmore has confirmed to me that my escrow funds are in my account but can never finish any of its " reviews '' and " research '' on this matter. After being put on hold when requesting that to speak to a person with more authority to resolve this matter, no one ever picked up the phone and after a total of 59 minutes, my call was hung up on. 

I explained that I 'm sending a copy of my demand letter to the Consumer Financial Protection Bureau.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2018 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: Information belongs to someone else

Complaint: There are two addresses on my Experian Credit record that do not belong to me. I have never lived in XXXX Az.  or XXXX Hi. 
I have lived my whole life in California. 
1. ) Belongs to Ex-Wife, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Az. XXXX 2. ) Belongs to My Son XXXX XXXX XXXX XXXX XXXX XXXX, Hawaii 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 10/17/2015 about Debt collection (Medical) with Revenue Recovery Corporation (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Today I pulled my credit report and discovered that this company has reported that I owe them a debt. To my knowledge I have never entered into a contract with this company and they have never provided me a service.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation