milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/17/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (DC).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: I submitted a request for an income-based repayment plan on XX/XX/2016. On XX/XX/2016, I received a letter from FedLoan Servicing stating, " We reviewed your Income-Driven Repayment ( IDR ) plan form and denied your request for the following reasons. 
NOT ELIGIBLE YET : You provided conflicting information in Section XXXX on the form you submitted. The easiest way to reapply is online at StudentLoans.gov. If you prefer, complete and return the enclosed form with all required documents. '' I reviewed my application several times and could not find the " conflicting information '' referenced in the letter. Thus, I called FedLoan Servicing on XX/XX/XXXX to gain additional information about the reason ( s ) for my rejection. I was told that the customer service representative could not view my application since it was submitted electronically. In order for me to find out the reason for my denial, she would have to submit a request for an investigation, which would take 7-10 business days. After 10 business days passed, I called again to inquire about the reason ( s ) for my denial. Again, I was told that the customer service representative did not have that information. Another " expedited '' request for review submitted. More than 10 business days have passed since the second request, and I have yet to hear the reason for my denial.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/28/2015 about Prepaid card (General purpose card) with Empowerment Ventures, LLC (TX).
Issue: Managing, opening, or closing account

Complaint: on XXXX XXXX weekend i was affected by the RUSHCARD fiasco.I didnt recieve my direct deposit as i normally do and when i did i wasnt able to access my online account due to being locked out. I am not able to check my balances due to the text alerts not working. the problem was said to be fixed however here it is time for pay again and i have not recieved anything. I have attempted to reach out to RUSH Card at XXXX and i continue to get hung up on. I would just like to be able to access my money so that i can move my services elsewhere.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-12-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: This is again the same dispute over and over see confirmation of payment XXXX// I faxed this information to you onXX/XX/2015 with a copy of my driver license bank statement when it was paid I been having to do this every 14 months the day of payment was made XX/XX/XXXX {$85.00} it was under the name XXXX XXXX it will faxed again if need it thank you

Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2016 about Payday loan () with Rosebud Economic Development Corporation (CA).
Issue: Can't stop charges to bank account

Complaint: I received a loan from XXXX for XXXX in XXXX XXXX. I had paid them XXXX by XXXX/XXXX/XXXX yet they still showed me as owing the XXXX balance. The legally allowed interest rate in CA is XXXX per XXXX borrowed, which would have been a grand total of XXXX legally allowed. I wrote them on XXXX XXXX revoking my ACH authorization as they have now been repaid the amount legally allowed. This morning that again deducted XXXX, meaning they have taken XXXX, as well as still showing me owing XXXX and ignoring my letter revoking ACH authorization.

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 03-03-2016 about Debt collection (Medical) with Profit Services Group (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I was formerly seeking help at XXXX XXXX University for my XXXX health XXXX at the age of XXXX. I was practically homeless from my mother XXXX By doing so, I have been contacted multiple times by PSG regarding the debt " I '' owe. I have repeatedly asked them to stop calling, and to get in touch with my mother who is financially responsible for me as a minor. As a minor in this situation, I have made it clear to PSG that I was in no way, shape, or form to legally sign such a contract holding me financially responsible for this debt. They claim to have tried contacting my mother, but have not been able to reach her. Therefore, they have unlawfully submitted this to my credit bureaus without my permission ; despite my best efforts in setting the record straight. PSG has threatened multiple times to take this balance out of my bank accounts using my social security number until the balance is zero. I have been called names repeatedly by PSG, hung up on several times, and nevertheless the endless " robocalls '' after I have told them to stop contacting me. PSG has never ONCE " mini- miranda 'd '' me. They have NEVER confirmed my identity with these continuous calls, never have given me my rights to dispute, etc. I took things into my own hands and did research to sue for these calls and the way I have been wrongfully mistreated numerous times by Profit Services Group. I have an attorney and I am ready for further action. I have also sent a dispute to XXXX explaining what is going on with this collection showing on my credit, that once again, is not legally my responsibility.

Company response to consumer: Closed with explanation
Consumer complaint received 12/24/2015 about Bank account or service (Other bank product/service) with JPMORGAN CHASE & CO. (NV).
Issue: Deposits and withdrawals

Complaint: I believe Chase bank is in violation of the legal tender act by failing to exchange legal U.S. tender for smaller denominations of legal U.S. tender without having an account with them. 

On XX/XX/2015, at approximately noon, I went to a Chase bank branch located at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX. I was attempting to exchange a {$20.00} bill for XXXX roll of quarters. As I would not provide account information I was denied the exchange. The vice-president/branch manager XXXX XXXX told me this was Chase 's policy recently instituted. If that is true, this means that people without bank accounts will now be out of luck when it comes time to do laundry. No quarters for the poor? Sounds illegal to me.

Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2017 about Credit reporting () with EQUIFAX, INC. (CO).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: Equifax wont let me see report credit file wont let me have acess I never ordered  XXXX  service that yea r 2016

Company response to consumer: Closed with explanation
Consumer complaint received 10-01-2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (IL).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: To begin my story, I decided to attend XXXX School specifically XXXX XXXX XXXX XXXX XXXX in XXXX, Texas. At the time, I had just gone through a bankruptcy so I had to take out a private student loan which had a high interest rate to pay for college. Everything was ok at the beginning, I started to attend class and was doing very well. As I was attending class I was put on a payment plan by the XXXX XXXX, things were ok for a while but as school started to get more demanding I could not work as much and my payment plan with the school started to suffer. Because, I could not keep up with my payment plan, I was told by the administrative staff at the Culinary Academy that I was going to be withdrawn from the school for non-payment. The most disappointing aspect of all this was that I was XXXX semesters from graduating!! So, after a long battle with the school, I start my XXXX career, which needless to say was extremely hard. There was never enough money to pay off the private and/or federal student loans, so I had to keep putting my loans in a deferred status, I think at one point I started with a XXXX to XXXX XXXX dollar loan and it just ballooned over time to XXXX XXXX dollarrs because I could never pay it back. I went along like this for years, until I ran out of time, I could no longer defer my payments. Since XXXX or XXXX I have been struggling to pay my student loans. At one point, I was so destitute I could not pay the loans and my credit was ruined by the loan provider ( XXXX XXXX XXXX I finally reached out to them and they got my loans back on track so I would not default, however it was too late my credit had already been damaged. Since then, I have tried to keep up but the payments for my private loan and federal loan add up to about roughly {$800.00} a month ... I just ca n't pay that anymore!! As of XXXX I reached out to XXXX which is now Navient and tried to work out a interest rate reduction and or payment amount reduction with Navient but they have yet to agree some relief!. They advised that me and my co-signer had to perform a financial analysis, which we did, only to be told that I did not qualify!! Which I do n't believe. As it stands right, I have a outstanding loan of about {$69000.00} dollars and {$40000.00} of that are part of the private loan and the private loan payment is {$600.00} a month at almost 14 % interest. At this rate I will not pay off my loan until XXXX, maybe even later ... I can not sustain this type of payment, I am going crazy!! it is really affecting my life. I am not sure what your organization can do to help, but any help would be much appreciated. The guess the most hurtful thing about all of this is that I did not get to graduate from college, I did not get a degree but I am still paying XXXX dollars to an organization ( Navient, formerly know as XXXX ) and having nothing to show for it. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2015 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (NJ).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Portfolio recovery services LLC representing XXXX XXXX bank indicating I owe full balance {$6200.00}. I never even had credit that high let alone owe this bogus attempt to collect. it says at the bottom Because of the age of the debt we will not sue you and we will not report it to a credit reporting agency ... Totally a scam.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/21/2015 about Mortgage (FHA mortgage) with U.S. BANCORP (VA).
Issue: Loan modification,collection,foreclosure

Complaint: I am trying to receive a letter from US Bank regarding the sale of my previous property as a short sale because I am in the process of purchasing a home. Also, I am trying to get my credit report corrected regarding this mortgage. I have been calling them daily for over a week. However, US Bank keeps denying me this info and their supervisors do not return calls as promised.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (GA).
Issue: Billing disputes

Complaint: Capital One has a policy of making it as difficult as possible for consumers to dispute charges, most likely because the merchant is being compensated in some manner or other for doing so. Aside from not allowing consumers to provide any details regarding their disputes in Capital One 's online dispute forms or to submit messages electronically -- either securely through their online accounts ( a feature which existed previously but has recently been eliminated by Capital One ) or via email -- the merchant has a policy of both requiring supporting documentation prior to submitting a claim and also permanently rescinding credit issued in connection with claims as soon as said claims are disputed by the merchants in question without giving consumers a chance to rebut the merchants ' response. 

On XXXX I submitted a dispute ( Case # : XXXX ) in connection with a charge for {$2000.00} from XXXX/XXXX/2016 against an attorney who had actively assisted the State of Florida in retaliating against me for trying to call attention to abuses which the State of Florida systematically inundates HUD Programs with in order to undermine the Civil Rights Act, made possible by the criminally unethical practice of allowing County Judges to adjudicate landlord-tenant disputes involving HUD rules without being qualified or authorized to do so -- even in circumstances where County Judges are specifically requested to disqualify themselves from such cases because of the financial ties which all County Judges must have to any landlords who participate in HUD 's programs within any Municipality wherein HUD 's Programs are not fully privatized. Despite the vast amounts of evidence I sent in via fax detailing at great length the unethical conduct of the attorney, Capital One rescinded the credit issued in connection with my dispute on XXXX/XXXX/2016, immediately after the attorney disputed my claim. 

On XXXX I submitted another dispute ( Case # : XXXX ) in the amount of {$310.00} against XXXX XXXX for the abuse I was deliberately subjected to during a XXXX/XXXX/2016 flight from Florida to Georgia for no other reason than being a low-income minority. Before even submitting my claim to the merchant, Capital One demanded supporting documentation, subsequent to which the credit issued in connection with my claim was rescinded.

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: Ocwen continues to wrongfully damage my credit score by erroneously reporting to the credit bureaus that I missed a mortgage payment, when I have not. Because Ocwen raised my escrow amount after buying expensive " acceptable '' homeowners insurance when I already had good homeowners insurance ( the subject of a previous complaint still being examined by them ), I chose not to pay the increased escrow amount but did pay the old mortgage amount in full each month. When I disputed the increased escrow amount and chose not to pay it ( more than {$400.00} a month extra! ), they told the credit bureaus I had missed a payment, which I had not. Further, they continue to force a hardship on me by demanding I pay the increased escrow amount while this is in dispute, resulting in a total mortgage amount of more than {$2000.00} rather than the {$1600.00} I had been paying for 10 years. In summary, they have damaged my credit and caused me severe financial hardship by raising my mortgage escrow amount unnecessarily ( I sent evidence of my insurance agent 's correspondence with them in a previous complaint ).

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2018 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with WESTERN UNION COMPANY, THE (CA).
Issue: Other transaction problem

Complaint: was paid for work with money order from western union for work on a car. called western union to make sure the money orders where good. they told me yes. i asked them about the possibility of them putting a stop payment on them after i took them as payment and western union said that as long as i had both the money order and the receipt of the money orders that they couldnt put a stop payment on them. the next day i went down and cashed one of the money orders with no problem. about two weeks later i went to cash the other one and they told me it was no good and that i owed them XXXX for the one i cashed. i tried for months to solve the problem with western union but with no luck. finally they told me they were having a hearing on the validity of my complaint and to get a hold of them in a couple weeks. when i did they said that they were not gtoing to pay me and that i still owed them the XXXX i figured i got ripped off. i kept the money order and just ran across it the other day ande my girl friend talked me into following up on getting paid.

Company response to consumer: Closed with explanation
Consumer complaint received 11-11-2017 about Debt collection (Credit card debt) with JPMORGAN CHASE & CO. (CO).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: I continue to get calls and letters from XXXX XXXX XXXX XXXX about a debt that I am not sure if it is valid or not. I am not sure I ever had a Providian account but I do know I had a Washington Mutual that bought out Providian in XX/XX/XXXX which was then bought out, and I received a Chase card, XX/XX/XXXX. My Chase card has been closed for over seven years. They are trying to collect a debt from Providian ( which has n't been in business since XX/XX/XXXX way past the SOL of six years CRS. I have spoken on the phone with them numerous times ( They use spoofed phone numbers ) and repeatedly have asked them to validate the debt and provide date of last activity which they fail to do CRS 12-14-109. Validation of debts. This has been going on for six months. They call my business which I have repeatedly asked them not to. They call my home multiple times a day which forced me to send them a cease and desist letter, which surprisingly they have followed unless they are still using spoofed numbers and not leaving a voicemail. On the phone they tell me they are attorneys, CRS 12-14-107 False or misleading representations, and will take me to court and have used vulgar language when I ask them to prove the debt, CRS 12-14-106. Harassment or abuse. I have received a somewhat threatening  letter from them stating they have exhausted all voluntary methods of resolutions. I continue to tell them that if the debt is valid, which I am not sure it is, the SOL is six years in Colorado C.R.S. 13-80-103.5 ( 1 ) ( a ) and they are way outside of the SOL.

Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2015 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Settlement process and costs

Complaint: Bank Of AmericaI am in need of your assistancewas there a title report completed 2009? 
was there a property inspection report in 2009, prior or after 2009? 
is the information correct on page XXXX section XXXX?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with The CBE Group, Inc. (MO).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I incurred this debt on or after XX/XX/XXXX for approximately XXXX. At the time, I was employed with XXXX and my intention was to repay the debt through work as it created through advance use of leave. When I transferred to XXXX, MO, I lost my employment with the XXXX due my transfer request being denied. That left me with the afore mentioned debt. I was contacted by the department of treasury regarding the debt and I explained my financial situation to them and they said they would n't pursue collection action. Last week I received a call from a company named CBE and again today. I explained financial situation and my conversation with the Dept of treasury but, they continue call even though my financial situation has n't changed. The person I spoke with threaten to offset a social security benefit that I do n't receive.

Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2016 about Debt collection (Credit card) with BANK OF AMERICA, NATIONAL ASSOCIATION (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: Hello, XX/XX/2010 I got a discharge letter from XXXX, AZ for XXXX XXXX. 
Couple of weeks ago ( after 6 years later ), I got a phone call from XXXX phone number @ XXXX. 
Saying that I have unsatisfactory case from Bank of America credit card amount of {$10000.00} that I owed and asking for settle amount of 50 % otherwise they will get a judgement and sue me .... 
I thought this account might have missed during the bankruptcy. After checking my file from the attorney and credit report that I pulled after 3 month later after bankruptcy, it clearly said that this account was " Discharged through Bankruptcy Chapter XXXX '' So, I called back to them trying to avoid unnecessary future hassle and I informed them about the discharge. Now they are saying to me that " This particular account 's discharge was fraud, therefore The bank of America sold this account to us to recover their loss '' also said there was breech of contract that I violated with BOA for this account in order to get a bankruptcy and asking me XXXX % of settlement instead of XXXX %. They basically told me that there was fraud on my discharge. But I did everything legitimately through my attorney and had no problem at all for 6 years.Is this scam? 
I needs some advise on this please. They said today is last day for settle and it really bothers 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 12-07-2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (NY).
Issue: Deposits and withdrawals

Complaint: Chase Bank wrongfully allowed a stolen check made payable to me to be cashed a second time after I had already deposited it via the Chase mobile app. I clearly wrote the words " DEPOSITED ON XXXX '' on the face of the check after the deposit was successfully made on that date. When the criminals cashed the check on XXXX/XXXX/2015, the funds were debited from my checking account even though the crime had been reported to Chase on XXXX XXXX. This action has put my account in the negative and Chase is refusing to take responsibility to rectify this matter. This is unacceptable! I was victimized and as a long-time Chase Bank customer I deserve to be protected by them not disregarded.

Company response to consumer: Closed with explanation