milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/20/2016 about Student loan (Federal student loan servicing) with AES/PHEAA (GA).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I made request through StudentLoans.gov that my loan repayment type be changed in XXXX 2016. I received confirmation from StudentLoans.gov on XXXX XXXX, 2016. I received confirmation regarding that request from my lender Fed Loan Servicing on XXXX XXXX, 2016. I paid a standard payment on XXXX XXXX, 2016. I received a bill for the full standard payment due XXXX XXXX, 2016. I called Fed Loan on XXXX XXXX and spoke to # XXXX. I was told I had to make a one-time full standard payment before my repayment type could be changed. I paid the full standard payment on XXXX XXXX, 2016. In XXXX I received a bill for the full standard payment due XXXX XXXX, 2016. I called Fed Loan and spoke to # XXXX. I was told I had to make a one-time full standard payment before the repayment type could be changed. I paid the full standard payment on XXXX XXXX, 2016. XX/XX/XXXX I received a bill for the full standard payment due XXXX XXXX. On XXXX XXXX I spoke to XXXX # XXXX and I was told the repayment had not been processed. I was told she would try to get a letter sent out by the end of the week because " everyone is busy on the phone now ''. I was told that it would not be processed in time to change my next payment. I will have to pay the full standard amount on XXXX XXXX. She could not tell me when the change would go into effect. She said they have XXXX requests and these things take time. I do not believe that Fed Loan will honor my request now or any time soon without some outside intervention. The difference between the standard repayment and the new repayment type is almost {$100.00} a month.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/23/2015 about Debt collection (I do not know) with Halsted Financial Services, LLC. (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: I have a XXXX and Have told this company HFS at XXXX to not call me till after XXXX if they have business with me or my wife they keep calling with or about some debt from several years ago i dont even remember XX/XX/XXXX my dad passed away and i not only have this XXXX but now XXXX and take meds, sleeping is hard and when i get sleep i dont need this company HFS waking me Please get them to stop Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have tried several times, since XXXX, to get a copy of my detailed credit report from Equifax, to no avail. With the help of the CFPB ( thank you! ), I did receive printed copies of my credit reports from XXXX and XXXX. 

I am the victim of major identity theft. I did place a fraud alert and security freeze on XXXX and XXXX with Equifax. Equifax kept insisting, both over the phone and by mail, that I lived in XXXX, CA ( where I lived over XXXX years ago ). I kept telling Equifax that I have lived in XXXX, CA for nearly 4 years ; I gave them my current XXXX, CA address. 

Equifax then sent me a letter, received XXXX, stating that on or about XXXX, a " change of address '' had been processed for my account, changing my address back to " XXXX XXXX XXXX # XXXX XXXX CA XXXX. '' Equifax changed the address back to XXXX even though I had a security freeze and fraud alert on my account. 

When I protested the change of address, Equifax said that I needed a letter from my former XXXX landlord, stating that I no longer lived there. The XXXX XXXX, which owns the XXXX apartment complex, then said they could find " no record '' of my having ever lived there. I actually lived in that apartment complex for nearly XXXX years. I did find an old driver 's license ( in an old purse ), with the XXXX address on it. I also found a copy of an old XXXX XXXX lease. The XXXX XXXX XXXX complex stated that they had a new computer system, installed in XX/XX/XXXX, and that they had no tenant records prior to XX/XX/XXXX. The assistant manager of the XXXX XXXX complex provided me with a letter that said, " no record '' of XXXX XXXX having lived there. 

And so, I sent Equifax, via overnight mail XXXX, a copy of the XXXX XXXX XXXX XXXX, a copy of a gas utility bill with my current XXXX, CA address, along with a photocopy of my Social Security card. I also sent Equifax a letter, once again requesting a copy of my credit report as soon as possible. I also requested that all reports and correspondence be sent to my current XXXX, CA address. 

I explained to Equifax that I am very concerned that the current tenant at " XXXX XXXX XXXX # XXXX XXXX CA XXXX, '' or perhaps a prior tenant, accessed some of my mail and personal information. Who else would have changed the address back to XXXX XXXX XXXX in XXXX? As a precaution, I re-forwarded all of my mail from the last XXXX years to my current XXXX, CA address. 

I have completed my City of XXXX Police Department Identity Theft Affidavit, and will be meeting with them this week. I also will send a copy to the XXXX of XXXX Police Department. 

This has all been exhausting, and frustrating. In addition, I am taking care of my mom, who has XXXX XXXX. Any assistance from the CFPB would be greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/27/2017 about Mortgage (Home equity loan or line of credit) with CAPITAL ONE FINANCIAL CORPORATION (MD).
Issue: Loan servicing, payments, escrow account

Complaint: PLEASE NOTE : ITS A NEW COMPLAIN. ANOTHER FALSE CLAIM AND PRACTICE I HAVE MET ALL REQUIREMENT AND WAS OWED CREDIT-YET CAPITAL ONE BANK HAS REFUSED TO HOLD THIER END OF THE DEAL. WHICH IS TO SEND MONTHLY BILLING STATEMENT. 
Another false claim!!!! I do not owe late payment or month ( s ) of an unpaid debt. Capital One Bank could not and can not claim that the credit was applied to my XXXX payment as I did pay {$160.00} for XXXX, and paid another {$160.00} for XXXX. If this bank claims that they credited me with {$170.00} in XXXX, then my payment made for {$160.00} in the same month should have gone to XXXX payment. And {$160.00} paid in XXXX should be for XXXX and the payment I made in XXXX should then be used to pay for XXXX. 

on the year to date payment statement they sent even contradicts their claim. where was my payment for XXXX that I personally sent in????? This company keeps fabricating a bunch of lies and continues to pretend that they are unaware that i am not in active bankruptcy. If they truly believe that I am in active bankruptcy, then why does this same bank violet my rights and the bankruptcy laws by sending me a bill every month on another account that I have with them. Would the bank also claim oversight an that too???? This bank needs to credit my account correctly and resume my monthly billing statements as I have met their agreement with me twice. 

Furthermore, the bank needs to send me a statement of all money received and interest charge on the loan for tax purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I am a student who originally acquire student loans through XXXX. My loans were switched to private loans through ( Navient. XXXX PA XXXX ) without my notice or consent in XXXX - XXXX. Original loan amount 0f XXXX. Within a three year span, while being continuously enrolled in XXXX at XXXX University, I have been charged excessive interest of over XXXX. I received over 100000.00 of excessive interest in one year. New loan balance is well over XXXX. 
I have been charged excessive interest, and my loans have all been switched to private loans without notification or consent. Please contact me at the following address : XXXX FLORIDA XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2017 about Credit reporting () with EQUIFAX, INC. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Approxamately 5 years and 6 months ago I rented an apartment at XXXX XXXX XXXX for a 1 year lease. From the day I had moved in, there were issues ( No initial cleaning was done prior to my move in to which the manager responded, " Well, You wanted to move in today '' ). Additionally, The several items I listed on my move-in inspection that were in need of repair and/or replaced were not attended to throughout the entire 7 months of me living there ( w/o incident on my part ). Finally, After having paid the 6 previous months rent with money orders, I was turned away and told they were no longer accepting them ( w/o any notice ). I attempted to return the money order to XXXX where I had purchased it, with no success, and after returning to XXXX to advise them that if they would n't accept my form of payment ( the same form as I have made for the prior 6 months without any issues ), I would not have access to retrieve the funds. They again, declined which resulted in my moving out and leaving the apartment considerably cleaner than it was upon my arrival. When we went to court, Their lawyer asked me to explain the situation, and when I did so, He advised the Judge that they wished to settle the matter as it currently stood with me owing nothing and no longer residing there. I have submitted the court documents to them several times with no cooperation or attempt on their part to even respond to me in any form.

Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I called Equifax XXXX times to receive my annual credit report. Each time their recording said I would receive it within up to three weeks. Its been three months and I still have not received it!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/13/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Capital Management Services, LP (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: My name is XXXX XXXX. I became a victim of identity theft. My health insurance company, XXXX notified me that my personal information was compromised. Since then, somebody tried to get my tax refund and opened several credit cards with using my personal information. I had filed a police report and even asked for investigation to FBI. As such, XXXX provided me free credit monitoring services and I had been monitoring closely any suspicious activities. The original creditor, XXXX XXXX XXXX Bank opened a credit card without even checking correct spellings of my name. The identity thief used incorrect spellings of my name like " XXXX XXXX '' and that account was opened in out of state while I was residing in XXXX XXXX XXXX XXXX Bank should had hired a private investigator to catch the identity thief with the same money have spent on hiring a debt collect, " Capital Management Services , LP '' to harass the victim of the identity theft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2017 about Debt collection (I do not know) with Southwest Recovery Services, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I noticed a {$1400.00} debt reported as collection on my equifax credit file. According to the report Original creditor is  XXXX    XXXX   XXXX   located in  XXXX   XXXX . Collection agency is  Southwest recovery servi ces located in  XXXX  Texas. ( Both of which I 've never had any dealings with in my life ), This is a fraud. i 'm in the middle of purchasing a house and this kind of activity will jeopardize my chances of owning this house. I am asking for a full investigation of this matter. I 'm requesting that the highest penalty possible be implemented on these perpetrators. I want this account removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2017 about Checking or savings account (Checking account) with SANTANDER BANK, NATIONAL ASSOCIATION (MA).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: Back in XXXX 2016, I opened a simply right checking account with Santander bank which has no monthly fee if you make at least one transaction, starting in XX/XX/XXXX Santander bank started charging me {$35.00} dollars every month for monthly fee which I didnt notice until now, I called the bank and told them what was happening and I was told that my account was being charged this monthly fee because I had a premier bank account that I never requested to get upgraded. The representative downgraded my account back to simply right checking and said that I was go na see the fees back to the account, days passed and nothing, called back again to see why the {$280.00} worth of fees that the bank charged didnt come back, the representative said there was no request to refund the fees but that she could only refund me 2 of them, the bank only refunded me {$70.00}, I still want all my money back since I didnt sign up for that. {$210.00} needs to be sent back to me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2017 about Debt collection (Credit card debt) with STERLING JEWELERS, INC. (IL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Jared Galleria of Jewelr y has been repeatly calling me. I receiv ed 5 calls in 15 minutes I spoke with someone 3 times and informed them that I had just spoke with someone.   This happened Thursday   XXXX   XXXX   between   XXXX   XXXX   -  XXXX   XXXX   cen tral standard time.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (IA).
Issue: Billing disputes

Complaint: I ordered plane tickets and hotel rooms on my Visa Signature XXXX card. We had to cancel XXXX tickets and buy another. That is not the original issue, although it will come up later. I called to pay the updated bill on the XXXX/XXXX/16 even though the billing date on the statement I received was XXXX/XXXX/16. I got the corrected number and was transferred to the payment department. They tried to charged me the amount for the canceled tickets plus interest. After we got the balance corrected, they still tried to insist that we pay interest, even though we were before the bill due date. After arguing for a while, they conceded the interest and we tried to pay the full amount of XXXX. However, my debit card had a limit of XXXX. So we told them we would call back in a day or so to pay the rest of the charges. 

So when we called back on XXXX/XXXX/16 to pay the remaining XXXX. They again tried to charge me for the tickets I had canceled ; we cleared that up, eventually. Then they tried to insist that I owed them interest BECAUSE I had made a partial payment on XXXX/XXXX/16. They wanted {$20.00} in interest from XX/XX/XXXX-XX/XX/XXXX, equaling {$5.00} a day. On top of that, they continued to insist that there might be more charges if I did n't pay the interest that I was disputing. I told them that I would not be paying the extra charge and ended the phone call without finishing my payment of XXXX because they had made me so upset. 

On the statement they sent me, it states clearly that : " We will not charge interest on purchases on the next statement if you pay the new balance total in full by the payment due date, and you had paid in full by the previous payment due date. '' I did not have a previous balance and the due date had not passed. 

I will be trying to pay the undisputed amount again without paying the interest. However, I wanted to make sure someone knew what they were trying to do.

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 10/13/2015 about Payday loan () with Mobiloans, LLC (FL).
Issue: Charged fees or interest I didn't expect

Complaint: I paid the balance of the loan and now they say I owe {$65.00}. My credit union sent them a check for {$1100.00}, which was balance on XX/XX/2015.They received the check XX/XX/2015. Now they say i owe {$65.00}

Company response to consumer: Untimely response
Consumer complaint received 08/29/2017 about Student loan (Private student loan) with SLM CORPORATION (NV).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: After numerous harassing calls, I have decided to set up an account with my bank to make monthly. To stop their " bleeding calls '', I called to tell them of my intent to start monthly payments beginning XXXX XXXX of 2017. I was shocked when I was told to give them my card or account number to make the first payment so they can forgive the past due amount. I offered to sen a check, but that was not good enough. They wanted all the information over the phone immediately. Sounds fishy to me. They even offered to wait two weeks to charge my account. Makes no sense.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NC).
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: To whom it may concern : I mailed a certified letter about unauthorized multiple inquiries on XX/XX/XXXX to dispute information, regarding over 45 hard inquiries for XXXX 25 for Experian and XXXX for XXXX that was placed on my credit reports. They received the letter on XX/XX/XXXX. They completed the request XX/XX/XXXX. The request I submitted was over 45 ( XXXX ), 25 ( Experian ),  and 20 ( XXXX ) hard inquiries that were not factual and I received the same response, that inquires are factual and can not be disputed. But according to the FCRA rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do n't investigate and respond, the CRA must delete the disputed information from the files. The fact that I received a response in 7 days after they received my letter, one can assume that there was no investigation. A fraud alert was place on my credit file, I then called XXXX to see why the dispute was not investigated, they told that they dont investigate inquires, I said but I have a Fraud alert on my file, they told me that even if I am a victim of identity theft that they still can not remove inquires. I have not contact Experian or XXXX  fearing I will get the same response. I am submitting this complaint due to lack of investigation into my original dispute for hard inquiries being removed that does not belong to me. I did not sign for anything! This is unfair practices by a credit reporting agency with no concerns for the credit worthiness of a consumer.

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 10/18/2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I am filing this complaint because Equifax has ignored my request to open investigation in regards to accounts listed on my credit report. Being that they have gone past the 60 day mark and confirmation shows they have received my dispute over 60+ days ago, under Section 611 ( 5 ) ( A ) of the FCRA XXXX they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2017 about Student loan (Federal student loan servicing) with AES/PHEAA (KY).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I am  one  of the people that has been affected by The  U.S. Ed. Dept. 's Loan Forgiveness Bait  and Switch  Sham. I h ave been paying on my loans before  Former President   XXXX  may it law in  XXXX   XXXX  loan forgiveness. When the law was enacted I was happy thinking that in  ten  years my student loans would be forgiven as a federal employee.  XXXX  or  XXXX   XXXX  I contacted my loan servicer FedLoans to see why on my bill  ( s  ) it stated I had only made  41  qualifying payments toward forgiveness of my loans. I was told they would research and contact me within 90 days. No call and/or no response. I contacted the loan servicer in  XXXX   XXXX  and was told I was not under the correct payment plan until  41  payments ago. That I had been under forebearance, etc. and not a payment plan. All along I thought my payments were going to loan forgiveness. I thought I had less than a year left on my student loans to tell me I have  five  plus more years to pay. I HAVE BEEN MISGUIDED AND DECEIVED. I was offered no appeals, etc. The loans have been serviced by several different companies within the Department of Education 's umbrella. I have been told I 'm now in the correct payment plan and under the correct servicer. I DO N'T THINK THE WHOLE PROCESS IS FAIR. I have been paying on these student loans over 10 years ; and thought I had come on a good thing. BUT I WAS FOOLED.

Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2017 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services (OH).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: They are charging me late fees on a zero balance. 
I tried to pay off the balance but XXXX XXXX hanged up the phone call.

Company response to consumer: Closed with explanation