milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/23/2016 about Student loan (Non-federal student loan) with AES/PHEAA (CO).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: i have submitted about XXXX complaints about this company and the run around is exhausting. everytime they respond the link that is attached is broken every single time. i do not think nco is still open or actually holds the title to my loans. if someone other than nct or aes looked at the cfpb like they say they do they too will see that in the loan default paragraph there is nothing stating i must remain in default. i can not believe the amount of laziness that is shown in this process. i do not think anyone in any of these situations truly reads these complaints and intends to read them as they say they do. i will send a complaint eveyr day for a year and contact lawyers offices if i need to. this will not go unsettled and im tired of the run around with these loans that apparently do not exist from a company i continue to contact that does not answer. do your job and fix this.

Company response to consumer: Closed with explanation
Consumer complaint received 03/13/2017 about Debt collection (I do not know) with Penn Credit Corporation (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Penn Credit has on several attempts attempted to collect a debt from me from someone who lives in Texas. She has a similar name to mine. I never gave Penn Credit or the original creditor my cell phone to contact me regarding any debt.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2018 about Student loan (Private student loan) with DISCOVER BANK (FL).
Issue: Getting a loan
Sub-issue: Confusing or misleading advertising

Complaint: Around XX/XX/2017 my girlfriend started a student loan application with Discover, I offered to be a co-signer. On their website they show XXXX XXXX XXXX XXXX as an elegible college that they offer their services too, so we decided to go through with it cause that's where she wants to study. After Discover inquires our credit and approves a loan, we negotiate the repayment process and interest rate, and they proceed with the certification request to the school, only to be turned down cause according to the financial aid department at the school they only accept federal loans or scholarships, not bank loans. 

I procceed to talk to XXXX different supervisors from Discover about this discrepancy and they could only escalate it to corporate, and told me to wait about 40 days for a resolution, I call today well over the timeframe to hear that Discover XXXX cancelled my request for removal of both credit inquiries basing themselves on that the school does meet the requirements to be on their website, I told the last supervisor that the information is very misleading cause why offer a product on a college that does not even accept it, even after providing sensitive information. As soon as they denied my request I called one of the credit bureaus, and they can only remove it if the bank sends a letter to them stating that it was a mistake in which they didn't, then the agent gave me the contact information for CFPB, XXXX answered and provided me with this method of submitting a complaint. 

Hopefully I can get those credit inquiries removed and they can remove that misleading information from their website, saving future consumers a headache.

Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Please see uploaded documents, specifically the entry entitled Bank of America my documents complaint.

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 11/15/2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (AZ).
Issue: Managing an account
Sub-issue: Cashing a check

Complaint: I received my paycheck from XXXX XXXX ( XXXX XXXX ). I deposited mobile to my Chase Bank Account. A few days later accidently grabbed same check ( instead of another check ) and deposited physically at XXXX XXXX. I realized that evening I had made mistake and went to XXXX XXXX next day to cancel deposit. they reversed funds. then a week later Chase Bank reversed funds as well. 

This check is not in either of my accounts and the funds were not returned to XXXX. 

I have called so many times to get this corrected. no one can fix this Please help me to get this {$1300.00} back to my employer. 

call me at XXXX for questions

Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (FL).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: Date Company Request Originator XX/XX/XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX WELLS FARGO FINANCIAL XXXX, IA XXXX XXXX XX/XX/XXXX WELLS FARGO FINANCIAL XXXX, IA XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XX/XX/XXXX WELLS FARGO DEALER SERVICE XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX, TX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX, NC XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX TX XX/XX/XXXX XXXX XXXX XXXX, UT XXXX XXXX XX/XX/XXXX XXXX XXXX AL XXXX XX/XX/XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, VA XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 01/13/2017 about Mortgage (Home equity loan or line of credit) with JPMORGAN CHASE & CO. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Since XX/XX/2015 we have been having billing issues with our mortgage which is being serviced by Chase. 
1 ) Customer service gives wrong payment amount. 
2 ) They do not apply total escrow payment to escrow which cause a short fall, therefore they increase mortgage to cover short fall.

Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2017 about Debt collection (Payday loan debt) with D2 Management LLC (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I received a call from XXXX on my cell phone at XXXX XXXX on XX/XX/17 but they did not leave a message. I called the number back. The person that answered the phone did not identify the name of the company. I told her that received a call from this number and wanted to know why. I had to ask for the name of the company was was calling from. She then precede to look up information by using my cell phone number. She confirmed was my name and last four digits of my social security number. After i stated yes, she went on to say that I owe a debt to XXXX XXXX. I told her there was be a mistake. She said no and when on to say I owned approximately {$600.00} and what employer I put down at the time of the loan. I have n't worked for that employer in over 10 years so if that is the case they are attempting to collect on a debt that is over the statue of limitation. Also, she refused to provide me with any type of verification of debt. She responded that something was already sent. I do n't know how this is possible when this is the first time I 've spoken to anyone at the company.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 06-11-2017 about Debt collection (Other debt) with Dynamic Recovery Solutions, LLC (NJ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: First, I started receiving phone calls from  XXXX  company in a  XXXX  of  XXXX  claiming I owe money for the phone bill. I informed company that I never had  XXXX  account and I have been  XXXX   XXXX   XXXX  customer since  XXXX  and never changed company. I asked for information they have on file, such as social security #, account #, phone # account was connected to. Caller refused to provide me this information. I went to police department and filed police report as possible identity theft. After that, I never heard from them again until 5 years later in  XXXX  of  XXXX  when I received a letter from Dynamic Recovery solutions claiming I owe money to  XXXX   XXXX   XXXX . They still did n't provide me any supporting information. I 'm sick and tired of this harassment! I never had  XXXX   XXXX  account and never dealt with them!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with PORTFOLIO RECOVERY ASSOCIATES INC (DE).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I paid of the account in full almost 2 years ago. However, the company constantly keeps reporting the account to the credit bureaus. In addition, the status constantly changes from closed to open. I have reached out to the company several times to remove the account, due to it being paid and full and inaccurate reporting. I am in the process of purchasing a home and ca n't have these errors on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2016 about Bank account or service (Other bank product/service) with American Title Corp (NY).
Issue: Making/receiving payments, sending money

Complaint: At closing it was agreed ( in writing ) I would promptly receive refund check. Weeks have passed. I have written three times to title company. No check. The company is : American Title Corp XXXX. 
XXXX, FL 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 06/25/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with National Credit Systems,Inc. (TX).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I lived from XXXX till XXXX in the apartment complex XXXX XXXX, XXXX, TX. This apartment complex was bought at the end of XXXX by XXXX XXXX XXXX. Upon leaving the apartment during XXXX XXXX I was told that my deposit would be affected towards the cleaning fee and I provided my new address in case they needed anything. A few months ago I pull my credit report and found that National Credit Systems , Inc. is reporting a debt of {$180.00}. I would have payed that amount of money without problem if I would had been notified and the debt had been validated. In exchange, the XXXX notice i got from a debt that I do not know why I am being charged came from my credit report. This is causing a great harm to my credit history, and I have n't been able to get a mortgage because of it. I requested 25 days ago a debt validation notice and proof that they attempted to collect the debt before reporting it to the credit bureaus. I 've got nothing. I feel frustrated and unprotected from this company.

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 03/20/2017 about Bank account or service (Checking account) with TD BANK US HOLDING COMPANY (NY).
Issue: Deposits and withdrawals

Complaint: I had XXXX accounts at TD Bank ( checking and savings ). I started working for " XXXX '' XXXX. To get paid I had to set up direct deposit so I gave them my information, card and account number. I started working XX/XX/2016 and by late XX/XX/XXXX I went to make a purchase and was informed that my account had no funds available. When I went to the bank to find out what was going on they showed checks that were deposited into my account that I did not recognize. They informed me that another checking account was opened via phone, I did not authorize this account to be opened nor any of those checks to be deposited. After this I went to the precinct to do a fraud report which I did. After that a detective went to the bank with me to proceed with the investigation. They asked me if i had any idea who would do this and I said that the only thing I can think of is that they may have taken my account information when I set up my direct deposit. They informed me that I 'd receive a letter in 10 days, which I did not. After two months of not hearing from anyone I went back to the bank and they informed me that the account had be closed and that I had to pay the money on the account because I gave my account information to someone. But I explained to them that that was given to the company to set up my direct deposit, not to open any additional accounts without my consent or to conduct fraudulent activities.

Company response to consumer: Closed with explanation
Consumer complaint received 11/20/2017 about Debt collection (Other debt) with Receivables Performance Management, LLC (KY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: The original debt was from XXXX, for ~ {$68.00}. 

They sent RPM ( Receivables Performance Management , LLC ) the debt. I settled with them and paid an amount of {$40.00} ( two payments of {$20.00}, ending in XXXX XXXX, 2017 ). 

Now XXXX is trying to collect the remaining amount ( ~ {$28.00} ) through XXXX XXXX XXXX, because RPM did not inform them the account was closed, instead choosing to falsely send the remaining balance back to XXXX despite telling me the account was closed and paid. 

I can not get Windstream to contract RPM, RPM to contact or send verification to XXXX, or anyone to talk to XXXX. 

I have a letter from RPM confirming the debt was paid in full. XXXX will not accept this letter from me, and RPM will not send it to XXXX. 


Attached is the letter from RPM verifying the account was closed in 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 10-09-2017 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services (CA).
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint: I learned last year that someone opened an account via XXXX XXXX in my name. XXXX will not provide a address where this card was mailed to nor how it was obtained, because I requested surveillance video to prove it was n't me but was told it was n't within their policy. I have never applied nor received a credit card from this company. Once I became aware of the account after receiving a collections notice, I contacted the company to advise the account was fraudulently obtained. I also notified XXXX to advise I did not open this account, at which time I later was notified that the account had been marked as fraudulent. Yet I am still receiving collection notices demanding payment on this account since it seems to continue to be brought by other collection agencies. Which is damaging on my credit report and I would like to ensure it is removed. According to the most recent notification I received from XXXX XXXX XXXX dated X/XX/17 the Original creditor XXXX XXXX Original account number XXXX with a balance of {$570.00}. After doing some online research I have learned that XXXX is allowing accounts to be opened online without any identification verification, if they have gained access to a persons date of birth, last four of their ss they can open an account. This has to stop

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/21/2017 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: Personal information incorrect

Complaint: I have expressed that the following addresses are incorrect and that they need to be removed. I have also called all collectors to update my only address that needs to be on file. The following names are also incorrect and have never been linked to my social security card. My phone number on file should also only be XXXX instead of this long list of phone numbers that are not mine. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I sent over my DL and social security card with my name listed as XXXX XXXX XXXX XXXX and my address as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-01-2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NH).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I have been trying to work with Navient about lowering my students loans for months now. I have called and faxed documents to my advocate their with proof that I do not have enough to pay the full amount of the loan but need to lower the payments. They requested my mothers expenses which I provided as well proving we do not have the full amount and can not afford the full payment asking for them to help. They have refused to help me, they denied my claims and said I need to figure out a way to get the money. I was told to get a second job or ask family and friends to help pay my loans. I have filed a complaint with the Attorney General of NH and I have not got anywhere. I want to pay my loans but I am asking them to reduce the rates but they will not help me out at all. I have done everything they asked but I am at a loss now. I have been threatened, harassed by them several times a day and my mother has also. I need help with this and can not get anywhere with Navient. I have documents to prove/backup everything.

Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2015 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Deposits and withdrawals

Complaint: Wells Fargo Bank is refusing to honor a check used to open accounts for my trust account. They are claiming the check was altered. The issuer says that they write all their checks with the payee 's name hand written on the check while the rest of the check is typed. I feel that the bank is inferring that I submitted a fraudulent check to them. Can you please help me get this issued resolved. There XXXX accounts opened with this check. Both a checking and a savings account. The accounts were opened on XXXX/XXXX/2015. I am a veteran.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2015 about Debt collection (Payday loan) with Integrated Recovery Services (OH).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: called my job stating I would be served with notice for a debt, I requested to stop calls to my job and something in writing and the caller could not provide me anything. states will sent notice when debt is paid in full

Company response to consumer: Closed with explanation
Consumer complaint received 11/25/2015 about Consumer Loan (Vehicle loan) with CAPITAL ONE FINANCIAL CORPORATION (MD).
Issue: Shopping for a loan or lease

Complaint: I was applying for an auto loan between numerous banks. Capital One Auto Finance denied me because I did not meet the minimum age requirement. I received letters from XXXX financial institutions stating age was the only factor in denying me an auto loan. I have held on to these letters and I am submitting this request because I believe they wrongfully denied me credit. I am XXXX years old ( XX/XX/XXXX ), which is more than within the minimum age requirement according to the Equal Credit Opportunity Act. I have supporting documents and am more than willing to provide this information**The Equal Credit Opportunity Act states : Consider your age, unless : you 're too young to sign contracts, generally under XXXX ; you 're at least XXXX, and the creditor will favor you because of your age ; it 's used to determine the meaning of other factors important to creditworthiness. For example, a creditor could use your age to determine if your income might drop because you 're about to retire ; it 's used in a valid credit scoring system that favors applicants XXXX and older. A credit scoring system assigns points to answers you give on credit applications. For example, your length of employment might be scored differently depending on your age. 
**

Company response to consumer: Closed with explanation