milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-06-2016 about Credit card () with TD BANK US HOLDING COMPANY (GA).
Issue: Late fee

Complaint: to rooms to go credit card i will like to inform you that I do not agree with all the fees your company is charging me. All started when I got my furniture from rooms to go the agent who help me get these stuff gave me a paperwork where i have to make my payment on the paperwork it was clear my payment must be made through SYN-CHRONIC BANK. Imade few payment through them until my bank notified me they are reseeding all my payment I made ( please see attached ). Since that day it is been a nightmare to make a payment on XX/XX/2016 I called on XX/XX/XXXX to make a payment through the electronic system. Guess what i could not make a payment because someone type my zip code wrong XXXX instead of XXXX that was my nightmare until XX/XX/2016 where i keep calling to make a change on my address so i can make my payment Like they told me my payment is XXXX I will keep making this payment until the furniture is paid off i m not going to pay the late fees you guys are charging me for your own fault

Company response to consumer: Closed with monetary relief
Consumer complaint received 08/24/2016 about Student loan (Federal student loan servicing) with NELNET, INC. (NC).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I understand that the CFPB has increased their focus on student loans, so I am hoping that you will be able to help me with an issue that I was unable to resolve after months of trying with my student loan servicer. I would like to start off by saying that I am a supervisor at a mortgage servicing corporation, and I know that if we made the error that my student loan servicer did, we would not only be able to fix it, but would likely have some regulatory implications as well. 
My student loan payments increased XXXX % without notification, and when I called to find out why, I was told that my student loan servicer ( Nelnet ) miscalculated my payment last year when my repayment began. They calculated my payments based on a 30 year term, when I actually have a 20 year term. This caused my payments to be lower than they should have been, therefore my principal is much higher than it should be, and therefore I am paying more towards interest. I have requested that Nelnet reverse my payments back the 17 months that I have paid so far, and apply them at the amount that they should have from the beginning. Had the correct term been used, my payments would have been slightly higher. I have offered to send in money so my account will not be past due after the corrections. After several hours on the phone with Nelnet, they flat out refuse to do this ( one rep even said it was against their morals ), and blamed it on the Department of Education guidelines. I am not asking for them to give me a payout in any way, I just want my payments applied at the amount that they should have been from the beginning. At this rate, I will end up paying roughly {$2300.00} more in interest due to their miscalculation that they refuse to fix. I am sure that Nelnet has done this to their other borrowers, but they might not have caught the mistake. At this point, I do n't know what I can do to not be penalized for their error. I can make a lump sum principal payment right now to get my principal to where it should be, but that wo n't fix the erroneous interest that has accumulated since my loan originated. Is this something you can help me with? I have documented my most recent calls to them, and have had other issues with their loan servicing - this is just the only one that is costing me money. 
It is unreasonable for Nelnet to expect their borrowers to calculate their own loan payments to ensure that they got something as simple as a loan term correct. This is undue borrower impact, and has impacted me in a significant financial way. I did escalate to their consumer ombudsman, who took weeks to respond and did not follow up when he promised to follow up. At the end of the day, the request was denied and Nelnet said there was nothing they could do to correct their error. This is an unfair servicing practice that impacted me financially.

Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2016 about Payday loan () with Delbert Services (GA).
Issue: Charged fees or interest I didn't expect

Complaint: The Collector ( XXXX XXXX XXXX ) from the lender Western Skies has sent a company called XXXX XXXX to serve me papers at my place of employment. I work for a government entity and they have called my employer several times because my supervisor has taken the messages and warned me of them calling the control room where I work.

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 10/18/2015 about Payday loan () with Big Picture Loans, LLC (DC).
Issue: Charged fees or interest I didn't expect

Complaint: Borrowed XXXX finance change every time l make a payment if not payed in fill is XXXX .a when I asked about paying fill make excuse to get more money, so I made payments and still owe XXXX.I do n't know what to do I will be paying the rest of my life.

Company response to consumer: Closed with explanation
Consumer complaint received 11/20/2015 about Debt collection (Credit card) with Johnson Mark LLC (ID).
Issue: False statements or representation
Sub-issue: Indicated shouldn't respond to lawsuit

Complaint: To whom it concerns, I had a credit card XXXX the balanced closed at {$1900.00} XXXX XXXX, XXXX .... Johnson Mark LLC. Picked up the debt. Affidavit of service served XXXX/XXXX/XXXX I did not get served this Affidavit. As a result a judgement was entered with out me knowing XXXX/XXXX/XXXX for {$3900.00} ... XXXX XXXX, XXXX {$2600.00} was stolen out of my account from Johnson Mark LLC. this account was for my VA Benefits from my military XXXX. XXXX the taking out of all my money from my account to the taking my VA Benefits money was wrong and illegal. Then they are saying i still owe {$1900.00} a total of {$4600.00}?? Last for over a year they did not report to the credit bureau 's XXXX that they had stole my VA benefit money/ which caused damage to my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (DC).
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint: Starting XXXX XXXX, 2017, I was called by XXXX XXXX XXXX telling me that I needed to pay a loan that I received from XXXX XXXX XXXX XXXX. They were calling my job because they said that was the only number they had for me. They also asked for my address because they did not have it. I provided them with both my home number and my cell number along with my address because I thought they were referring to something else. In speaking with them I have received conflicting information on how they received the loan. I was told that they bought it from XXXX XXXX who in turn bought it from the state of Louisiana. XXXX has sent me numerous letters telling me that I must talk to them or they were going to garnish my wages. They have also called me on a daily basis threatening me with wage garnishment if I do n't set up a payment arrangement. I researched the loan in question with both Navient and the Credit Bureaus ( through XXXX XXXX ). All sources I have researched have stated that I do not owe on this loan. My balance with Navient is {$0.00} and I have no negative hits on my credit report because of this loan.

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 05/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MO).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I opened a loan with  XXXX  in  XXXX   XXXX , it is now  XXXX   XXXX  and they are still reporting this on my credit report. They are reporting different information to all  XXXX  credit bureaus. To my knowledge the statue of limitations for this reporting on my personal credit report has long pass. I would like for them to provide me with an explanation to why this account is still showing on my report. And if this account is outdated, I need for it to immediately taken off my credit report and updated reports sent to me reflecting any changes made.

Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IN).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: EXPERIAN MUST NOW CEASE AND DESIST REORTING ANY AND ALL CREDIT INFO FOR CREDIT FURNISHERS ALL OTHERS AS STATED IN THE : F.C.R.A. 15 USC 1681A ( g ). ( see XXXX letter )

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 05/22/2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (NY).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: As stated in  Wells Fargo   XXXX   XXXX ,  2017 letter : SEE ATTACHED LETTER " Subject : Stolen bank transactions with your name and ac count number We want to let you know  Wells Fargo  Bank transactions were stolen on  XXXX   XXXX ,  2017  from  XXXX   XXXX , Florida while in transit to our service center. The transactions included check  ( s  ) issued by you .... '' I might add that my check also included my home address. Except for putting the onus on me to prevent identity theft or other fraud,  Wells Fargo offered no assistance. I find this stunning and irr esponsible!     I tried to discuss this matter with  XXXX , a customer service supervisor, who refused to provide his last name and hung up on me when I asked why he would not provide it. This rudeness obviously exemplifies the  Wells Fargo  culture and pure lack of concern and care for customers!     I look forward to hearing from you. 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 06/13/2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I have been spending countless hours making phone calls and writing to Equifax credit bureau in regards to XXXX accounts that have been inserted to my credit that are not mine. XXXX the accounts were originally removed now they have been placed back to my credit and I do n't know why. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05/28/2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: There is an account from the Veterans Administration on my credit report from XXXX that shows I have an oustanding balance that either went to Collection or charged off. However the account was paid in full. I have submitted a dispute through XXXX and XXXX responded asking for documentation from the Veterans Administration that verified the account was paid in full. I called the toll free number various times and have consistently been unsuccessfull obtaining such document. I feel that responsibility lies with XXXX to obtain current information from the VA regarding the account. I feel they are acting negligently and there is a legal obligation to keep this account accurate. This has been paid XXXX of 2012.

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2018 about Debt collection (Medical debt) with Debt Management Incorporated (MA).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: Hello, Please help me. I got a letter from them 2x for the amount of {$1200.00}. XXXX XXXX verbally agreed to my hardship letter that I didn't owe from a debt from XX/XX/XXXX. My insurance company was supposed to pay. Attached is the letter I faxed over today. I got a rude and abusive call from XXXX XXXX and XXXX XXXX the director. I told them not to call me please do what the letter states. They were both rude and both of them told me that's it I wrote refused. I hope you have a good lawyer because we do. I tried to explain my situation and asked to please respond as the letter states for proof. XXXX XXXX rudely stated I am not doing anything! Get a lawyer. Here is my letter I sent by fax. 
Dear Collector, I am responding to your contact about collecting a debt. You contacted me by mail 2x,  on XX/XX/XXXX & XX/XX/XXXX. Assoc of XXXX told me verbally that it was accept as forgiveness since I dont have an income coming in. I do not have any responsibility for the debt youre trying to collect. 

If you have good reason to believe that I am responsible for this debt, mail me the documents that make you believe that. Stop all other communication with me and with this address, and record that I dispute having any obligation for this debt. If you stop your collection of this debt, and forward or return it to another company, please indicate to them that it is disputed. If you report it to a credit bureau ( or have already done so ), also report that the debt is disputed. 

Thank you for your cooperation. Sincerely, XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (MA).
Issue: Billing disputes

Complaint: I have a Neiman Marcus credit card. There have been XXXX occassions when I have made my monthly payment by the due date and received my billing statement indicating that my account is past due. I make my payments using the automated system. The automated system indicates that if you make your monthly payment by XXXX your payment will be posted to your account on that same day and will be considered as being paid on-time. Well on both of the occassions I made my payments way before XXXX and when I got my billing statement it indicated that my payment was past due. I also got a separate notice in the mail indicating that my payment was past due. Neiman Marcus is telling their customers false information.

Company response to consumer: Closed with explanation
Consumer complaint received 08-06-2015 about Debt collection (Mortgage) with Shellpoint Partners, LLC (SC).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I am filing a complaint against Shellpoint Mortgage for reporting an account that is not mine on my credit report. The account in question is a Shellpoint mortgage account that was opened in 2007. I have no knowledge of where this account could have come from. Not only is this account not mine, but it 's severely hurting my credit because the actual account holder is letting the account run late. As a result, I have been having late payments hit my XXXX report for the past several months. I am attaching a screenshot of the account on my credit report showing the account number and the last time it reported. I have disputed the validity of this account to them and to this date, nothing has been done. This account is not reporting on XXXX, which is further proof that it should not be there in the first place. XXXX should not be reporting someone else 's information on a person 's report, even more so when it does not belong to them. The account number is XXXX. Please help me fix this. I have attached a police report, deed and title showing this mortgage is not associated with my name.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I applied for a credit repair credit card after reading an ad on XXXX in an attempt to improve my credit score. XXXX XXXX Bank sent a card 2 years ago and after reading the contract I did not agree with the terms cut the card in half and sent it back. XXXX said I owe them XXXX in fees and sent their bill to the XXXX credit reporting companies in an attempt to collect a debt not owed and additionally sent it to collections with Midland Collections which in fact it is the same company owned by XXXX XXXX Bank. Now XXXX intities are reporting to the XXXX credit bureaus. I did not use the card and returned it therefore feel this should be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2015 about Mortgage (Reverse mortgage) with NATIONSTAR MORTGAGE (FL).
Issue: Loan modification,collection,foreclosure

Complaint: Champion Mortgage refuses to process any of the documents we have submitted, we have on multiple occasions sent in residency verification letters, authorization letters, copies of our insurance and they continually deny receiving the paperwork. I have been placed on hold for very long periods of time and can not get anywhere with them. They are negligently and purposely not processing paperwork in order to have an excuse to foreclose. They have now begun foreclosure proceedings due to non occupancy and an incorrect insurance and taxes balance because of their negligent actions.

Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2017 about Debt collection (Other debt) with CL HOLDINGS LLC (PA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I sent dispute letter back on  XXXX / XXXX / 17  Current Creditor  : Je  fferson Capital Systems LLC Debt Descriptio n :  XXXX   XXXX  Checking Original Account :  XXXX  Ref #  XXXX  Principal : {$120.00} To :  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  I  XXXX   XXXX  is disputing this debt from  Jefferson Capital Systems LLC :   XXXX    XXXX     XXXX  for {$120.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/22/2016 about Credit card () with SYNCHRONY FINANCIAL (VT).
Issue: Other

Complaint: I have had my TJX rewards MasterCard through Synchrony Bank since 2011. During that time, I have never missed a payment and always pay my card off in full, usually twice a month. This month they accepted my payment of over {$1400.00} but placed a hold on my card so I could n't use it. I called, they said the hold was for 6 days and could n't be released. On day 6, I called again, and they extended the hold to 9 days. Why I asked why, they said it was because I made to many payments that were too large. They also said they could hold my payments for as long as they wanted for any reason, or no reason at all, and there was nothing I could do about it. I am so angry that they can just take my money and then tie up my card when I have never missed a payment, or done anything that could be considered irresponsible in my history with this card.

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 07/18/2016 about Credit card () with JPMORGAN CHASE & CO. (NC).
Issue: Application processing delay

Complaint: I applied for a Chase Sapphire credit card. Chase denied my application. The reason given was I had received too many cards in the last 2 years. My credit score is over XXXX and I have 20 years of clean credit history. I do take advantage of credit card offers when the rewards offered is equal to {$100.00} or more. I think they denied my application because of this and because I do not carry a monthly balance with any credit card nor do I make cash advances or transfer balances. I think this is unjust discrimination. Can anything be done?

Company response to consumer: Closed with explanation
Consumer complaint received 08-07-2015 about Credit card () with PAYPAL HOLDINGS INC. (NY).
Issue: Credit determination

Complaint: On XXXX/XXXX/15, I accepted an invitation on an interstitial screen of my paypal account to apply for paypal credit, dba billmelater.com. I completed the online application quickly and the next screen said I would have an instantaneous decision. I was rejected for credit w/no explanation. 

I have a FICO score of XXXX and am a person of wealth. I found the company 's credit decision shocking. I phoned their call center and was told I would receive an e-mail explaining why I was rejected and that it would be send to the e-mail address on file for my paypal acct. 

I have never recd an communication from this company about this or anything else. 

This violates Federal banking and credit laws. If my credit has been compromised or damaged as a result, I need to file charges against paypal credit, but I can not do so w/out a full explanation of their decision. 

If this has happened to me, I have to conclude it has happened to many others. You need to investigate them

Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2017 about Debt collection (Other debt) with I.Q. DATA INTERNATIONAL, INC. (DC).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I have contacted IQ Collections numerous times stating the debt amount owed is incorrect. They ignored my requests to correct the amount of the debt owed. I filed complaints regarding this on numerous occasions Including ( XXXX and XXXX ). I also called the company on XXXX. I then sent an email directly to XXXX ( supervisor within the company ) on XXXX, XXXX, XXXX, andXX/XX/XXXX. All my emails have gone unanswered.

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 11/28/2016 about Credit card () with JPMORGAN CHASE & CO. (CA).
Issue: Payoff process

Complaint: I tried to pay my bill with Chase online and then on the phone. And they informed me that they only accept payment from a checking account routing number. I have not used checks in over 3 years and pay all my bills online with XXXX or by debit card. When I told them that they just kept repeating that they required a routing number. I 'm going back in time just to please their antiquated payment method. They must be the only company out there that does n't accept XXXX or debit cards. Can they do that?

Company response to consumer: Closed with explanation