milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-07-2017 about Payday loan () with Advance America, Cash Advance Centers, Inc. (VA).
Issue: Can't contact lender

Complaint: Just received a call saying I owe {$1300.00} from XXXX debt collection from 10 yrs ago. I never applied for one and have n't heard about this until today. They do n't have any paperwork to show proof so I need to file this complaint. Their phone number is XXXX.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (FL).
Issue: Loan modification,collection,foreclosure

Complaint: I have applied for a HAMP Loan Modification with Ocwen and I cant seem to get an acknowledgement or the opportunity to interact with an assigned negotiator without having to race against the clock with the threat of a foreclosure sale. This property was the subject of a divorce and I have been trying to remedy this matter. I was offered a trial modification XXXX 2015, but when I sent payments in-they were returned to me. I have been putting those monthly payments aside every month to see if I can get Ocwen to honor that modification. I hired a firm to work on my behalf and they have submitted all of my documents for a modification, but Ocwen has not responded or canceled the sale. I have to resolve this matter pursuant to divorce agreement and I do not want to file bankruptcy again. I really need help. I am going to email the ombudsman. I have called to speak to that department but have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TN).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: This is about the Equifax data breach. The breach lasted from XXXX through XXXX. The hackers accessed peoples names, Social Security numbers, birth dates, addresses and, in some instances, drivers license numbers. They also stole credit card numbers for about 209,000 people and dispute documents with personal identifying information for about 182,000 people. I am one of the many impacted by this data breach and want to highlight the impact it may have had or will have in the future, given the size and scope, true impact may never be known.

Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MD).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Under the new law effective XXXX XXXX, 2017 any public record data must include Name and address as well as SSN or DOB in order for it to appear in your credit file. The Credit Bureau has not updated the information and per the new law true Bankruptcy listed does not include this information and should be deleted from my credit reports with Equifax, XXXX, and XXXX.
The Bankruptcy identification number is : XXXX US Bankruptcy Court XXXX, Georgia XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2016 about Debt collection (Credit card) with Resurgent Capital Services L.P. (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have no received any information about this account. I have tried disputing and reaching out to the company online but get response.

Company response to consumer: Closed with explanation
Consumer complaint received 08/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: To whom this may concern XXXX is reporting that my students loans are late I 've never received any documents from the company I call them in XX/XX/XXXXand that 's when they sent the first bill but its showing on my credit report I 'm over 100 days late.

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 07/23/2015 about Student loan (Non-federal student loan) with AES/PHEAA (MN).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I originally went to school at XXXX in XXXX mn. I graduated in 2007 from there. I have been dealing with medical conditions throughout the years and currently am waiting for my XXXX trial, so working is out of the question. I spoke with aes a few weeks ago and the young man i spoke to, emailed me the forberance form to fill out and send back. They said they received it between the XXXX of XXXX. i didnt get a response until over two weeks later, it turns out the young man sent the wrong form, so now they are tacking on more interest at a ridiculous rate. My original loan amounts totaledXXXXXXXXXXXXThey added alot of interest over the years and they then as of yesturday totaledXXXXXXXXXXXXThats ridiculous amount of interest almost XXXX the amount and now they did it again with a letter today saying that my payoff will beXXXXXXXXXXXXThere is no way on earth i could ever afford this. It seems illegal to all of a sudden charge that much for a XXXX dollar student loan. I have no assets and no job how in the world do they expect to get there money especially when they keep jacking up the price. I called again asked if they would consider settling. I would go to the bank and take out a small loan to hopefully pay this off in full so that way i dont keep drowning. I got told a flat out no and that my loans were not eligible to be written off even if my XXXX goes through. I want to scream i dont know what to do they are money hungry and wont cooperate. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2017 about Payday loan, title loan, or personal loan (Installment loan) with Big Picture Loans, LLC (IN).
Issue: Charged fees or interest you didn't expect

Complaint: I applied for a loan that I received a flyer about in the mail. It was for {$1000.00} The loan was effective X/XX/2017. They said the interest could be up to 35 %. It actually ended up being 557.43 % interest. I have paid 2 payments of {$210.00} and they only put {$1.00} against principal for each payment.. They never sent me the pay schedule until they deposited the money. I contacted the company on their website and they would not respond. I called their number and they kept going around my questions. This is totally a scam. I need relief severely. They keep taking money out of my account every two weeks and I am not getting anything paid up. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2017 about Student loan (Federal student loan servicing) with NELNET, INC. (DC).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I chose to refinance my Federal student loan with a private company for a better interest rate. Nelnet ( the Federal loan servicer ) was auto-debiting my account for the payments as previously arranged. The auto debit came out the day before my principal payoff paid off the loan for the amount that was due on that day, yet Nelnet shows I have a XXXX balance even though the original payment toward the principal should be refunded. In the principal payoff deposit from the private lender, they chose to take interest from that to XXXX out my balance and not give me a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2016 about Student loan (Non-federal student loan) with JPMORGAN CHASE & CO. (WV).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I took out a private student loan from Chase during my sophomore year of college in XXXX. My father co-signed it. I was constantly in contact with them during the process of forbearance and delaying payments while i was in school. Once I graduated I was diligent about making my payments, on time every month, never late, sometimes more than the minimum amount. After about 2 years of making regular payments, i hit a rough spot in life, my boyfriend bought a house and we moved in together, about XXXX week after closing he was laid off from his well paying job. He was eligible for unemployment, but it barely covered his car and other bills, let alone a new mortgage payment. I had to take over the mortage payments, which left less money to pay other bills. I was able to defer another federal student loan that i had. I had called Chase several times during this time, explaining the situation, asking for any short term assistance I could get ( lowering payments, a few months of deferment, etc ) I was open to any options I could get to help me for just a short time ( less than a year ). They advised that unless this was going to be a long term issue, and I needed to be the XXXX to have the unemployment they were unable to help. So at the time i made the decision to stop paying. I was a loyal customer, my boyfriends mortgage was with them, I felt that they were not doing anything to help someone who would have gladly paid back her loan, had they assisted her for about 6 months. My father had cosigned the loan, he was unable to pay, he has a very seasonal job with high layoffs, has many bills to pay himself XXXX including parent plus loans for my education ), he was attempting at bankruptcy. After a couple months of letter stating that i was behind on my loan and it was going to collections, i never heard again from them, until fall of XXXX. I received a letter in the mail stating my loan was charged off. I thought nothing of it figuring a collection agency would contact me to set something up. Then After the first of the year XXXX I received a tax document from Chase stating that my loan was charged off and the dollar amount would be taxable. This was close to {$30000.00}!! that doubled my income ( i think i only made about $ XXXX that year ) which then doubled my tax 's due. I now owe close to $ XXXX in back taxes. I think this is absurd, I never got the chance to make any payments, or was ever contacted from a collection agency. They never contacted my co-signer for any information and he is not responsible for any of the amount charged off.

Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with DISCOVER BANK (OK).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: On XX/XX/XXXX I spoke to CS rep. They were charging me since XX/XX/XXXX a card protection fee I said I did not approve this charge, the women said that it would be refunded back to the beginning when the fee started XX/XX/XXXX, in the amount of {$400.00}. Two weeks later I received a letter stating they would on go back 6 months. They credited me {$25.00} total I think this is unfair and unjust please help. 
Thank you XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 07/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: In apr of 2017 I made a partial payment of {$300.00} to XXXX XXXX and then within and week or two made another partial payment for another {$300.00} to XXXX XXXX again. They are reporting that I am 30 days late making a payment when in actuality they do n't report anything to the credit bureaus because I filed bankrupt. I do realize they say the payment should have been made by the end of the month so they do n't report, but they have contradicted themselves now thus making my credit bad. I 'm just asking for a forgiveness letter since I have been a good customer and have not been in troubles with them. One person at XXXX XXXX tells me I 'm not late another says I am late. which one is it. I would like the situation rectified so that I can move forward rebuilding my credit. 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 11/18/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with DISCOVER BANK (TX).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: Rec 'd an invitation to apply for the XXXX XXXX in XXXX. Applied online. At the time of the invitation, I requested a balance transfer in accordance with their offer of 0 % financing, 0 % transaction fee. The card was approved and then sent out. I then rec 'd notice that they needed more information on the balance transfer so on or about XX/XX/XXXX, I called and answered some more questions and was told the balance transfer would be processed. On XX/XX/XXXX I rec 'd notice that I would be charged a XXXX transaction fee. I promptly called and have called in numerous times including to their executive offices support team ( XXXX ) onXX/XX/XXXX and was told they would review the case and get back to me. I called them again on XX/XX/XXXX to be told that they had sent out a letter advising me that the charge would remain on my account. I asked how this could be since I had sent in pictures of all of the documentation they sent showing XXXX transaction fees on all balance transfers. They said they needed me to send in the documentation again - which I have - I explained that the same terms noted on the invitation were provided with the credit card itself when it arrived. Please help!

Company response to consumer: Closed with monetary relief
Consumer complaint received 10-01-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with LJ Ross Associates (GA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: The collection agency is sending false information about a debt to the credit beauros. They are not providing enough info related to my debt that they are trying to collect. I sent a dispute letter to this collection agency asking them to verify the debt but the company is sending their computer screenshots and saying that its a valid debt. 

I contacted the the supposed original creditor XXXX and they acknoledged that the debt shouldnt have been reported in the first place. I got a call from XXXX saying that they would delete this negative item from my credit report and they promptly removed it. 

On the other hand, LJ Ross is reporting this debt as a deliquent account and hurting my credit. This js absolutly unacceptable. They would need to contact XXXX regarding this debt and verify the validity of this debt and remove this item from all of my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 11/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BARCLAYS BANK DELAWARE (IN).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: I AM ASKING XXXX XXXX XXXX, BARKCLAYS AND XXXX XXXX TO CONDUCT ACCOUNT REVIEWS FROM XXXX ONLY.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (NJ).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: Card Issuer : American Express Card Product : XXXX XXXX XXXX   There was a promotional signup offer for {$250.00} as a statement credit after spending a specified amount ( {$1000.00} ) on the card within three months of approval. 

The spend threshold was hit within the stated period but no statement credit was issued ; a complaint was submitted to American Express three months after the date the threshold was hit. It has been another two to three weeks since the initial complaint was submitted, during which time there have been multiple contacts with the company, still with no resolution. 

There have been multiple promises to resolve this issue, including an explicit indication that it would be resolved several days ago.

Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BMO HARRIS BANK NATIONAL ASSOCIATION (IL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I obtained a 1st mortgage ( via XXXX XXXX and a 2nd mortgage ( via Harris ) to purchase my property in XXXX. The second mortgage was a HELOC with a balloon payment at the XXXX year ( XXXX ). In XXXX, the loan matured and the remaining balance of roughly XXXX became due. Having never missed a payment and having always paid more than the payment amount, I applied to refinance the remaining balance. Since XXXX was reporting inaccurately to the credit agencies from XXXX until XXXX, my refinance of the remaining balance with Harris was denied. I still made monthly payments on the Harris account however, in XXXX the remaining balance was charged off as a bad debt. My credit accounts should reflect, " charged off, paying as agreed, '' but does frequently does not. Harris has been contacted regarding this issue at least twice, once in XXXX of XXXX and once in XXXX of XXXX. 
In a letter dated XXXX in response to my letter to Harris regarding inaccurate reporting, Harris stated that they found that they were reporting inaccurately and would send corrected reports to the Consumer Reporting Agencies to reflect account reporting as charged off, paying under a partial payment agreement. 
In a letter dated XXXX in response to my letter to Harris regarding inaccurate reporting, Harris stated that they found that they were reporting inaccurately and would send corrected reports to the Consumer Reporting Agencies to reflect Account reporting as charged off, paying under a partial payment agreement with all credit marks removed after the charge off date in XXXX of XXXX. 
I applied for a mortgage loan in XXXX of this year. I am in receipt of a loan denial because Harris is still reporting an inaccurate charge off date and is not reporting that the loan was charged off and paying as agreed.
Please see attached letters from Harris, loan approval and loan denial

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 05-11-2016 about Credit reporting () with EQUIFAX, INC. (MN).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I 'm not talking about The active XXXX XXXX account. You know exactly what I 'M TALKING About the closed the one that is closed I 'm looking at the same think that you are Looking at because I have the Equifax credit monitoring service and you see exactly what I see. Send me the info that I requested from you. You sent all this crazy mail to my box if you can send that Equifax why not send the original sign contract that give you the right to report bad info.. You keep saying the creditors I 'm not asking them I 'm asking you something the federal gov put in play to protect people like like Now quick with the XXXX and send it if you have!

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (OH).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I have a student loan which is now serviced by Navient. I have a problem with the way they apply my monthly payment. I am a responsible borrower, I am current with my loan, I have no real trouble making my payment. However - I like to pay a little more than the minimum each month in order to pay down the principal. Navient makes it hard, or nearly impossible, to do this. 

The company has an easy way for borrowers to go online to make a payment each month, however there is nothing in the payment process that allows borrowers to repay a little more in order to shorten the term of the loan, and the amount of interest paid. 

Every other type of financing - mortgage, car loan, even a loan I received to buy a new mattress allows for a little overpayment, which is applied to the principal. 

Navient deliberately does not allow this to happen. This is a blatant attempt to XXXX over the borrowers, and drag out the loan term and increase the amount of interest they pay. This is not fair. Many student loan borrowers likely have no idea how to shorten the term of the loan, and Navient capitalizes on this unawareness. 

For many, a student loan is the first type of loan they receive. Assuming they are able to make their monthly payment, Navient traps them with a slick website which tells them exactly how much to pay so that the loan gets paid out over the longest possible period and Navient sucks every penny of interest out of them. Yes, Navient is a business, but they could at least provide a means for their borrowers to pay a little more. This wo n't cost Navient that much, because most people ca n't pay any more than the minimum anyway. 

The federal government backs many, if not all, of the loans Navient profits from. The fed government should, therefore, force Navient to apply the same truth-in-lending principals that mortgage lenders do.

Company response to consumer: Closed with explanation
Consumer complaint received 07-01-2015 about Credit card () with BARCLAYS BANK DELAWARE (MD).
Issue: Billing disputes

Complaint: I have an XXXX XXXX Mastercard through Barclay 's bank which is supposed to give me XXXX free piece of checked baggage on a XXXX or XXXX XXXX flight. I was charged for baggage both legs of my rountrip flight. I called Barclay 's bank and was told i should call the airline. Since Barclay 's is the card company, and they sold me the card with the promise that i get XXXX checked bag for free, i feel like it is the card company that should reverse the XXXX {$25.00} charges. They say the fine print requires that i make the reservation using the card, but the brochure that came with the card simply says i get a checked bag for free in very clear print. I have attached this document. Note that it does not qualify the promise of XXXX free checked bag with any mention of other requirements, whereas the paragraph regarding getting a discount on in-plane food specifies that the credit card must be used. 
I also got cut off from the call with Barclay 's after a long wait. The second time, I spoke to a manager, who also told me to call the airlines. Since Barclay 's made the promises, I feel like Barclay 's should refund my {$50.00}.

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