milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/14/2017 about Debt collection (Medical) with Venture Financial Services, Inc. (MO).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have been paying on this debt and they are charging me interest. The original amount was XXXX. I have paid XXXX if not more and the interest they are charging does n't make the amount go any lower. I have asked several times if they can charge interest and they said that they can charge whatever they want.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2016 about Student loan (Non-federal student loan) with JPMORGAN CHASE & CO. (IL).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I have a private student loan that I initially opened with Chase student loan. They sold it to XXXX Last year my family had several health issues that caused us to fall behind on many bills including our mortgage. All other creditors including our mortgage company worked with us in helping us get caught up. XXXX turned my account over to XXXX XXXX XXXX when it defaulted. I have asked them for a loan Rehabilitation, but they will not do anything but take a large deposit and large monthly payments or a large settlement.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with HYUNDAI CAPITAL AMERICA (PA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have had a lease with Hyundai Capital America since XXXX 2017. I have been paying my monthly payments faithfully since! I received a credit limit decrease notification from XXXX on XX/XX/XXXX. They " lowered '' my credit limit to {$21000.00}. This I do not know why they did this as I am still paying on the lease. I am in a 4 year lease and pay on time every month. I feel they should not have done this because my credit score went down 15 points!!! This is not fair to someone who pays their bills on time and is trying to increase her scores!! I contacted them and the representative told me that they are reporting what my current balance is with them. They need to fix this issue ASAP. I hope you can help me. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 01-01-2018 about Student loan (Federal student loan servicing) with HEARTLAND PAYMENT SYSTEMS INC (TN).
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint: My husband and I both have, and have had loans through XXXX XX/XX/XXXX. We have both on several occasions set up, online, and over the phone automatic payments. 3 times. Once I tried. Twice he has tried. All three times we receive late notices through the mail with late fines attached. I am convinced this in on purpose so they can collect the late fines. The last time we called, they refused to answer their phones, and put us on a call back list. Four days later they have still not called us back. The last letter was XX/XX/XXXX. It says we have 15 days to pay. The last, of many, phone call we made was on the XX/XX/XXXX. XXXX XX/XX/XXXX says my husband owes {$85.00}. The letter also says we are fourth-five days past due. But we were living under the assumption our automatic payment had been set up, and that the bill was coming out of our bank accout. No email, to my knowledge was sent, and no phone call to notify us of any card number discrepancy or name misspell. Just a letter, already late, telling us we did not even try to pay. I am very frusterated and I would not wish this lack of customer service on anyone. It feels as though there are no humans running their business, only faulty computer systems.

Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2017 about Credit reporting () with EQUIFAX, INC. (AL).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Credit reporting agency responded with accounts matched name social security number and date of birth. As this agency knows they have mixed my files up previously as well as not contacted the actual creditor but relied on electronic correspondence. I have asked for the name of the individual who verified this along with documents that verify. 
XXXX acct # XXXX XXXX Acct # XXXX

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. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I would like Experian to remove inquires XXXX XXXX XXXXXXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 10/29/2015 about Bank account or service (Checking account) with SCOTTRADE BANK (CT).
Issue: Account opening, closing, or management

Complaint: I had opened an account with Scottrade Bank some time ago. The account was left dormant and forgotten about. 

However, I recently tried to call Scottrade Bank to check my balance and close my account. After talking to support from the National Service Center I want told that I was unable to close my account because it had a negative balance. 

The support person told me on the phone that this was a result of fees I had agreed to when opening the account. I asked the support representative for a copy of the account agreement and was told I needed to contact my local office. 

After contacting my local office they said they could mail the requested information to me, but after 6+ weeks, I have yet to receive a copy of the contract and dispute provisions.

Company response to consumer: Closed
Consumer complaint received 06-10-2016 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (OR).
Issue: Loan servicing, payments, escrow account

Complaint: Homeowner 's loan was HAMP modified in XXXX XXXX resulting in a payment of {$750.00}. In XXXX XXXX an escrow analysis was performed resulting in a further reduction of his payment to {$420.00}. HO has been diligently paying his mortgage payment. HO has a primary residence ( tax lot XXXX ) and a rental home ( tax lot XXXX ) on his property ). In XXXX XXXX he discovered that lender had been paying the taxes on XXXX but not XXXX ( both are secured under the mortgage ). He had a {$7000.00} delinquency on XXXX that he had been making payments on. When lender discovered their error in calculation, they paid the $ XXXX plus added one year and a two month cushion for escrow, resulting in an escrow shortage of {$12000.00} and growing. Lender did not notify HO of this shortage and HO continued to make his {$420.00} payments, resulting in a negative equity situation. Lender recalculated the payment necessary ( after amortizing the shortage over 60 months ), resulting in a payment owing each month of {$980.00} creating a financial hardship for HO. Moreover, lender has yet to notify HO of this change and available options, allowing the balance to grow.

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 09/21/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: I am in foreclosurei was giving a home loan at 100 % financingPLEASE HELP ME AND MY FAMILY SAVE OUR HOME ....

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2017 about Mortgage (Conventional home mortgage) with LoanCare, LLC (CA).
Issue: Trouble during payment process

Complaint: My loan was transferred to Loan Care. I received a letter sometime in late XX/XX/XXXX ( letter datedXX/XX/XXXX ) that my loan was being transferred. The transfer effective date wasXX/XX/XXXX. My XX/XX/XXXX payment was mailed and must have been lost and it never appeared. During this time we decided to sell our home and buy another. We did not find out about the payment issue until our current lender ( we have not closed yet due to this problem ) informed us that we had been reported being late 2 times for 30 days. How is this possible? We believe no late should have been reported. The transfer was handled very poorly and there should be some time allocated when a loan is transferred. I read in your website that they should not report me. We are now in limbo as the sale of our home has closed and we have paid the loan off on 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 explanation
Consumer complaint received 02/24/2017 about Student loan (Non-federal student loan) with AES/PHEAA (TN).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: have loan with aes through XXXX. have been paying on this loan for 10 years and only {$300.00} has been applied to {$8000.00} loan. i am now XXXX and on fixed income. my sister co-signed for this loan in 2006 and now they are threatening to sue her. i have asked for history payment and never receive it. am at a loss now and need help. thank you..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/19/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (MD).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: On Sunday, XX/XX/2017, I received an email from XXXX. XXXX is a credit monitoring/money budgeting service that I use to keep track of my finances. The e-mail they sent me was for a new credit monitoring alertstating that I had added an authorized user to my Capital One credit card. Only there was already a problem thereI have never even applied for a Capital One credit card. I was alarmed to say the least. I called Capital One using the general service phone number and the menu prompted me for either my card/account # or social security #. Because I have never had an account with Capital One, I tried putting my social security number in, followed by my birthday. To say that I was unpleasantly surprised when the machine responded with, I have found your account, would be an absolute understatement. I was LIVID. I grew even angrier when the machine told me the balance was {$14000.00} and that my next monthly payment would be due in the amount of {$300.00}. I was so confused as to how someone got my information, opened a card, charged {$14000.00} and got away with it. I have been taken advantage of. How come Capital One never sent anything to my home address regarding my account? What email were the alerts from them going to, if there were any? I have four credit cardsXXXX, XXXX XXXX XXXX, and two Chase cards. Along with that, I have a private student loan with XXXX XXXX XXXX, as well as a government loan. Finally, I have a leased vehicle through XXXX XXXX XXXX. I work full time for a mortgage company and have been here for the past 3.5 yearswe deal with credit and credit monitoring CONSTANTLY. To say that I am on top of my finances is also an understatement at best. I need this figured out because I have no idea how long this has been affecting my credit. I have pulled my own credit report twice in the past year and have not seen Capital One reporting, which is what also alarms me. Please do the research and listen to any calls and review any correspondence you have with mebecause unfortunately, it was likely not me.

Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2017 about Debt collection (Medical debt) with Io, Inc. (VA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have had oral and written communications with Receivables Management Systems ( " RMS '' ) numerous times at the beginning of them placing a medical debt payment on my credit report ( XX/XX/XXXX ) and as recent as of XX/XX/XXXX. I do not and have never had a written contract with RMS to pay them anything and have denied over and over again owing the medical debt they are repeatedly asking me for. They claim that the debt was purchased from XXXX XXXX. I had a contract with XXXX XXXX, but my insurance company paid that off in either XX/XX/XXXX or XX/XX/XXXX. I DO NOT HAVE A CONTRACT WITH RMS and never signed or agreed to pay them anything. have even hired XXXX XXXX XXXX to get their assistance in removing the duplicate collection payments from all three credit reporting bureaus. Once XXXX XXXX XXXX got involved, instead of RMS deleting the collection data from my credit reports, they placed a duplicate collection on my reports showing that I owe {$0.00} and that payment was received. However, the original collection they put on my reports is still there and shows on my reports as an additional collection, with a new start date as of XX/XX/XXXX ( starting the seven year removal cycle all over again ). This has turned from bad to worse because it is showing up on my reports as a new collection debt and has lowered my credit scores by an average of 22 points. RMS has been playing games and have been very uncooperative. They just wo n't budge and seem to enjoy doing detriment to my credit score, even though they can not produce any papers showing that I have an agreement with them to pay them anything. I want all of their collection debt information deleted from all 3 credit reporting agencies immediately. I realize how important good credit is and have been working extremely hard to improve all aspects of my credit. Negative 22 points is a large set back to be placed on anyone 's credit and especially if it 's not valid or proven. <P/>Please help me get this bogus medical debt removed from my reports. You are my last resort to getting this officially taken care of once and for all. <P/>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 08/25/2016 about Credit card () with DISCOVER BANK (FL).
Issue: Advertising and marketing

Complaint: Discover card has false advertisement for their terms and conditions for one of their credit card benefits. The benefit currently that has false advertisement, or better said, fraudulent information is their Price Protection benefit. As a consumer, I am under the impression the information presented on their website will be update to date and provide the latest terms and policy for any and all terms and conditions. When I call, I was informed the price protection did not cover blu-rays and/or dvds as of XXXX XXXX, 2016 ; however, as of XXXX XXXX, 2016 the terms and conditions a consumer has to good by do not reflect this information. I can present a printed documentation of the online terms and conditions as of XXXX XXXX, 2016. This has caused me to have monetary loss.

Company response to consumer: Closed with monetary relief
Consumer complaint received 12-03-2017 about Debt collection (I do not know) with Resurgent Capital Services L.P. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have contacted this company numerous times disputing what they are showing on my credit report! This company hangs up on me! I call back and they tell me to dispute it with the credit bureaus! A representative told me that they could not find me in the system! I have tried everything!! 

Now I am filing a Cease and Desist and Lawful Notice of Estoppel to remove this from my credit report at once! 

This is not my debt and is hurting my credit score. My brothers name is XXXX XXXX and my fathers name is XXXX XXXX XXXX Not sure if this is their debt or just an error putting on my credit report but it needs to be removed asap! 

Thank you for your assistance! 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2015 about Debt collection (Medical) with I.C. System, Inc. (NJ).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: A few months ago I created an account on the XXXX XXXX website out of curiosity. Since I 've never had a credit card, the site displayed no credit history. To my surprise, I was then informed of my responsibility to pay an open collection of {$340.00}. There is also a closed collection that I never knew about, or closed for that matter. I recognize the name of the creditor, as he treated me when I was XXXX. At that point in time, I was completely XXXX. However, I was never made aware of this debt until viewing my credit report for the very first time. This egregious manner of handling an unpaid bill is downright unfair. Thankfully, I am now a healthy and proactive individual that would like to get his life truly started. I would like to have my first credit card, but I can not acquire anything but a secured credit card with my " collections '' on record. I have no problem when it comes to paying a bill, I 'd just like to be notified when a balance is due. It bears repeating that the manner in which I acquired this debt is nothing short of insidious.

Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2015 about Mortgage (Other mortgage) with Ditech Financial LLC (TX).
Issue: Loan servicing, payments, escrow account

Complaint: We have a second mortgage with GreenTree, now known as Ditech. We went though bankruptcy because of a failed business in XX/XX/XXXX / XX/XX/XXXX, and GreenTree provided us with a XXXX XXXX, to which we agreed. The XXXX XXXX changed the terms of the loan, providing a lesser payment. Similar to the payment we had been making through a modification agreement prior to bankruptcy. Once the bankruptcy was discharged in XX/XX/XXXX, GreenTree started calling the very day of discharge, and we continued making our payments. There was one month that GreenTree called seeking a payment earlier than we were going to make it, we agreed, and GreenTree accepted a telephone payment, and our bank electronically paid the account due to an oversight, and GreenTree refused to reimburse the second payment, although it was a detriment to our family at the time. Our credit reports show Ditech as showing us XXXX times past due, although we have continued making in excess of the payment required on the XXXX XXXX, bringing our scores down. We have send in evidence of payments to the credit reporting agencies, and still have no relief on XXXX and XXXX. Ditech is showing 30, 60, 120 days past due for months we continued making payments because they refuse to accept the lesser payment in the XXXX XXXX, and still show the payment on the original credit agreement. It is important to note, GreenTree drafted the XXXX XXXX, including all terms and conditions of the XXXX XXXX. We have complied. We repeatedly answered their calls seeking additional monies over and above the XXXX XXXX, and they refused to accept the new agreement, with the primary account person XXXX? saying the interest rate was variable to all sorts of excuses. We had at least XXXX calls with XXXX following our bankruptcy discharge, to no avail. We finally stopped answering the calls, which continued daily to both of our cell phones, work, and family members. We sent letters demanding the calls stop to our employment and family members, and to only communicate through written means. We continued getting calls, even to the work place at times. We have sought out legal counsel to review the XXXX XXXX, and confirmed it is a binding contract, and to confirm the XXXX XXXX was filed with the Bankruptcy Court, which it was. We have sought out help from the credit bureaus, and have not had success thus far. GreenTree / Ditech have tacked on {$1800.00} in fees and have refused to provide us with an audit or accounting since the bankruptcy discharge. An attorney will cost us $ XXXX+/hour to retain to go through the court system, with an estimate of {$4000.00} to {$10000.00} in fees to litigation this matter. We simply can not do that at this time. Any assistance your organization can lend to this situation, or guidance, would be most appreciated. 

XXXX XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/14/2017 about Debt collection (I do not know) with Rausch, Sturm, Israel, Enerson & Hornik, LLP (MT).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Was served court papers from "  XXXX   XXXX   XXXX   XXXX   XXXX  saying I owed them money. I wrote to the company  XXXX   XXXX ,  2017  and asked for verification, the name of original debtor, and amount of original debt. Then on  XXXX   XXXX ,  2017  they filed court papers charging me with the debt.I filed a request for dismissal because they failed to tell inform me of the original debt information. On  XXXX   XXXX ,  2017  they sent me another letter saying I owed "  XXXX   XXXX   XXXX   XXXX , again without giving me any information on the original supposed debt. I still have no idea of who is the original debtor is or the original amount. I now have to answer an " Order for Stipulating an Order for Scheduling ''. They placed this debt information on my credit without any notice to me, I was notified by  XXXX   XXXX  that a new debt was placed on my account. Both of these issues are against the FDCPA ( Federal Fair Debt Collection Practices Act ).

Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2017 about Vehicle loan or lease (Lease) with DriveTime (GA).
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint: I have a XXXX XXXX XXXX with XXXX they told me that the car is worth XXXX my payments is XXXX a month. On the paperwork they did n't have it on there. But yet I signed it and I know that 's a lie. I am on XXXX and the car never really work cause it either stops on me or major fixes on the vehicle since I had the car. I lost XXXX permanent jobs, and constantly temp jobs cause they car leaves me stranded and temp jobs over this problem. They 're scammer in the drivetime sites to get a sale and do not help you. Now that I lost jobs due to the car they want to harass me with phone calls and that 's not right! At first I gave a XXXX XXXX cause it was XXXX and then they talked me into leaving with another car and this car has been failing on me as well. I now put a throttle body in this car, alternator, surpertine belt, 2 new batteries, crankshaft positioning sensor. I now been stranded on the road multiple times and it 's not right. This is my only you means of transportation. All this happened way under a year. Why my bills have to suffer cause of this car and gave to make a decision to pay rent, water and gas, electricity and what I can when I can to get things fixed on this car. This is why Americanshe is poor and ca n't pay bills ... no reliable transportation to work, and the transportation they do have failed in them 70 to 85 % of the time so you have to remain in a lower situation in life just for major companies to live and eat good. DriveTime when they call you they 're nasty, you call them they 're nasty. They do n't do anything for anyone

Company response to consumer: Closed with explanation