milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/26/2017 about Student loan (Federal student loan servicing) with ACS Education Services (CT).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I have student loans with  ACS  and have been with  ACS  for over 10 years. I had been on an IBR plan and it came time to update information at the beginning of the year and I sent in all required information. I was waiting to hear what my payments were going to be and when they would start up as previously the payments were  XXXX . I then got a bill stating I was late. I called and began making payments on the account trying to catch up. I recently have been talking to a mortgage broker as I am trying to obtain a mortgage. He pulled my credit report and informed me  ACS  had reported me late in   XXXX  2017   . I called them several times to ask them to remove and update the late payment report as it is not accurate. They refused to remove it. I also asked them if I could write a goodwill letter to explain what happened and they said no. I am disappointed at their unwillingness to work with me and my account under the circumstances. It is essential I get the late report for    XXXX    2017   removed to move forward with the mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AES/PHEAA (CA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: They have put a 90 day late payment on my credit report. I had no knowledge that the account needed too be paid. I thought it was in forbearance and I get a ding on my credit. Ive asked them many times if there was anything I could do too get the late payment off and they just keep telling me no. Ive never missed a payment besides that and I regularly pay on time and sometimes pay twice a month. Please help me get this off. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2015 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: My goodness I have been through it with getting information on my Credit Report changed. Equifax, XXXX and XXXX have over XXXX variation of my name which is XXXX XXXX and they have just as many address 's. I have dealt with identity theft on XXXX occassion 's. And still I can not get any of them to remove the incorrect information. They even have another social security number listed that is n't even mine and they refuse to remove it. Please help me because I believe that they are n't actually investigating when I request it I believe that they are just going by what the Reporting company is telling them and leaving it at that. I have sent a copy of my Drivers License, My Utility and my social Security card and to no avail they refuse to remove it. What else is there left to do. You supply them with all valid information to support your claim and they just look over it.

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2018 about Payday loan, title loan, or personal loan (Payday loan) with Advance America, Cash Advance Centers, Inc. (NC).
Issue: Problem with the payoff process at the end of the loan

Complaint: XXXX XXXX XXXX in XXXX, Virginia, did not notify me that I was on my fifth loan with the 180 day time period at the time of the loan, nor did they tell me that I had the option of repaying that fifth loan in installments. When I returned the next day to reborrow, I was informed that I was in my 45 day waiting period, and could not reborrow. This has put me in jeopardy of not being able to pay certain bills that I need that loan to pay. Prior to this, I had an excellent repayment record with that company. Now, the management of the company will not respond to my calls nor messages to speak to me about the problem with their employees lack of information about the loan process.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2016 about Consumer Loan (Vehicle loan) with CONSUMER PORTFOLIO SERVICES, INC. (NJ).
Issue: Managing the loan or lease

Complaint: I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XXXX 2014

Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2015 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have previously disputed the entry of a tax lien # XXXX from the XXXX XXXX XXXX XXXX Court and have received a confusing response to the investigation of case # XXXX on XXXX XXXX XX/XX/2015. I am again asking that the provided documents be looked at again and that the lien record be removed due to the filing of a null and void of the judgment issued by the Ohio XXXX XXXX XXXX and XXXX XXXX courts. This decision vacating the judgment was due to the lien being filed in error, as indicated in several sources, and public record. I recently tried again to have this corrected by Equifax and it is currently pending under case # XXXX. Both XXXX and XXXX have removed this entry, and I feel that Equifax should also do this and work towards improving their response to these issues as there are a plethora of complaints on the internet about this same issue.

Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2017 about Debt collection (Credit card debt) with Army and Air Force Exchange Service (AL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XXXX-17 Principal. {$5500.00} Pre-placement interest. XXXX Collection costs. XXXX Total balance XXXX They have start taking money out of social security check XX/XX/XXXX. I was told by XXXX XXXX XXXX and army & air force exchange service said they will offer a buy out in XX/XX/XXXX. I 've heard from them.

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 05-11-2015 about Credit card () with WELLS FARGO & COMPANY (TX).
Issue: APR or interest rate

Complaint: I agreed to accept a credit card from my employer Wells Fargo a year ago at 0 % apr. No interest was charged at that time. I had XXXX credit at time of application, so was not a credit risk at all. It was not clearly disclosed that the 0 % apr was introductory and the actual interest was 21.15 %. I only discovered this when I ran up a balance of {$9500.00} and discovered my monthly payment would not cover the $ 170+ monthly interest payment. I called several times and wrote a letter to ask help with the interest rate showing that I could never pay this card off at the predatory rate they had given me. I was refused any kind of forbearance or help of any kind. I paid off the account recently by mortgaging my car. I believe that the failure to CLEARLY disclose the exorbitant interest rate and that the 0 % was introductory was predatory lending.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2016 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (WI).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: On XX/XX/XXXX Capital One charged of a debt of {$420000.00}. On XX/XX/XXXX I receive a letter from XXXX XXXX the debt is now owed to then for the amount of {$4200.00}. On XX/XX/XXXX I receive a letter in the amount of {$4300.00} that is owed to them. On XX/XX/XXXX I receive a letter from XXXX XXXX now I owe them {$4300.00}. A Greater balance of {$87.00}. On XX/XX/XXXX I receive a Summons and Complaint from XXXX thru XXXX County Court in the amount of {$4400.00}. XX/XX/XXXX I receive an Order To Appear before Commissioner, balance now is {$4700.00}. Now the balance is greater by {$460.00}. The next time I hear from XXXX in the form of a Garnishment Notice dated XX/XX/XXXX in the amount of {$7200.00}. Next is the Garnishment Notice to collect money on rent in which I was not even collecting for the amount of {$6700.00}. Another Garnishment Notice in the amount of {$6100.00}. Then another Garnishment Notice on XX/XX/XXXX in the amount of $ XXXX.Several letters and correspondence I receive regarding this debt have amounts that do not match. Leading me to believe they have significantly inflated this debt as to they see fit. On XX/XX/XXXX I file a complaint with your agency. A response letter fro XXXX states that as of XX/XX/XXXX the date of their letter the amount is $ XXXX.The Garnishment in XX/XX/XXXX states XXXX. A letter Capital One responds to you, dated XXXX that XXXX XXXX XXXX charging interest on this debt as of XX/XX/XXXX. You will clearly notice the interest is higher on each garnish notice to date. An e-mail between my Payroll and Benefits states as of XX/XX/XXXX XXXX tells them the amount is {$6100.00}. I have now paid {$3000.00}. Then on XX/XX/XXXX XXXX states the amount is {$5000.00}. To this date I have had garnished the amount of {$4600.00}. Then on XXXX/XXXX/XXXX I receive a phone call from a male regarding this debt. I am not able to discuss this matte since I am in the woods and do not have access to any paperwork. The male then becomes threating as to say it would be in your best interest to discuss and pay this debt. I have a lawyer who they need to go thru for any other contact then court documents, this law was broken. And also the threat. I believe they carried out the threat by serving me another Order To Appear to the Commissioner. This meeting was schedule in the furthest point of XXXX County WI. Making me drive the farthest as possible to inconvenience me. During the meeting they were by phone. They asked me questions they already knew and not once asked for the taxes, paystubs, or bank statements they requested. This was just to inconvenience me and charge me another {$100.00} for court proceedings. My wife was present who was not part of this debt they say I owe. They then harass her asking her questions about her job and wages threatening to come after her. They clearly can not do this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 12/30/2015 about Credit card () with PAYPAL HOLDINGS INC. (MD).
Issue: Unsolicited issuance of credit card

Complaint: Paypal misled me into receiving a line of credit. I have used them as a money transfer service for years and when I signed in and had to update information I was sent through a series of steps that resulted in me getting a line of credit. I called them immediately and told them I did not want the line of credit and that I was put in a situation where going through the steps forced it. They said there was nothing they could do about it and I have to have the line of credit. It still goes unused.

Company response to consumer: Closed with explanation
Consumer complaint received 03/17/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Called multiple times, I explained I am handling this issue on my own, I do n't have the money to pay. I ask to please stop calling on XXXX/XXXX/16 at XXXX XXXX. I just received a call at XXXX on XXXX/XXXX/2016

Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have disputed with TransunionXXXX, about their practices of putting stuff on my credit report. I wanted proof from all on how they verified that these accounts belong to me. I have instances where XXXX of the accounts stated they only verified that XXXX digits of my SS # and the debt was listed on all XXXX of my accounts. I only proof that I will accept from all XXXX of these credit bureaus is a signature showing my name where I requested credit from each of these debtors. Using the XXXX digits of my social security is not enough. If they ca n't or have not verified with a copy of my signature on the original loan, credit card or whatever I want the charges removed from all three credit bureaus. I have attached the accounts in questions, XXXX ( XXXX credit cards ), XXXX XXXX ( XXXX credit cards ). As you can tell XXXX XXXX shows that I made a payment on XXXX and I do n't even have a credit card with them.

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 11-12-2017 about Student loan (Private student loan) with AES/PHEAA (NY).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: In early XXXX I finished my process for loan consolidation. I was expecting those payments to be disbursed in early XXXX, and was aware that it would most likely be after my payment date. After explaining the situation to a American Education Services representative, I received more calls regarding the delinquent payment, but I was expecting them. Until I finally confirmed on XXXX XXXX that my consolidation check had been received. However the remaining balance had issues. The calls I continued to receive started with a request for 2 full months payments around {$80.00} each ( {$160.00} total ), but the remaining balance was only {$54.00}. 

On XXXX XXXX I confirmed with a service rep that the {$54.00} was all that I needed to pay to close the account. I was congratulated on paying the balance off, and transferred to the payment system. After paying that amount received a call on XXXX XXXX, again the rep asked for {$160.00}. After correcting her she then alerted me that the {$54.00} was short due to a late fee on the XXXX ( a day before I confirmed the number ). She said that amounts below {$5.00} are written off, and that I would be taken off the auto-dialer. I received a call today again asking for more than the balance, prompting me to make this complaint. Checking online to make sure I have the documents for this complaint, and the numbers do not seem to add properly either. 

I have attached texts taken from my account page on their website You can see that my payment of {$54.00} seems to actually cover the late fee, while a few other statements do not seem accurate as well. 

Considering the confusion, and the harassment due to their system prompting collection calls with inaccurate figures ; as well as the repeated assurance from service reps that this had been resolved, only to receive more calls ; and lastly the poor customer service I received today ( XXXX/XXXX/XXXX ) I was forced to make this complaint and am investigating options to hold AES accountable. 

They have for years harassed me due to the system they use, which prompts the calls for collection despite payments being made. They have been unable to assist me in closing an account because they have inaccurate statements. Now observing my payment history it seems the balances do not make sense, and I have to call into question how they have handled my account as well as others the entire time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06/26/2015 about Debt collection (Credit card) with Western Portfolio Assets (DE).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: This debt collector contacted my parents and my sister. The collector told both parties that they were attempting to serve me with papers to collect a debt. Additionally, this collector threatened me with the serving of papers and filing a wage garnishment on a debt over 6 years old and not on my credit report.

Company response to consumer: Closed
Consumer complaint received 06/13/2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (MD).
Issue: Struggling to pay mortgage

Complaint: XX/XX/XXXX XXXX approved a loan modification for me then transferred my loan to Ocwen inXX/XX/XXXX. When my loan got to Ocwen they wouldnt accept the modification that was already in place with XXXX. I have been trying to find out what happened to the notarized package that was sent in XX/XX/XXXX, and why Ocwen wouldnt accept what XXXX had already approved for me. Please help me! I have been in my home 24years and I dont have anywhere else to live once my home is sold on XX/XX/XXXX. I didnt just leave my home like many other homeowners would have done. XX/XX/XXXX to Present Ocwen has been denying me the Modification that I had in place in XX/XX/XXXX. Ocwen didnt acknowledge ever receiving my XXXX Notarized Documents of XX/XX/XXXXuntilXX/XX/XXXX. I continued from XX/XX/XXXX to present to ask for my modification but I continue to get letters from Ocwen saying " Investor Doesent Participate in the HAMP ''. Ocwen wanted me to leave my home and I didnt. I did nothing wrong. My loan transferred to Ocwen and once my documents go to them, the process stopped. Ocwen didnt tell me about my Notarized Documents until 5years later. When my loan transferred to Ocwen in XX/XX/XXXX, I owed {$31000.00} in Arrears, today my Arrears are {$370.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2018 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with Coinbase, Inc. (FL).
Issue: Money was not available when promised

Complaint: To whom it may concern,I have been extremely patient in attempting to work with Coinbase on many occasions (over 2 dozen phone calls and over 2 dosent emails).  My main issue in particular is the fact that my wire transfer was rejected for some reason back on XX/XX/XXXX and it said my name did not match the name on my bank acct, however this is false (I have bank wire document proof showing my name is accurate).  I received an email from Coinbase back on XX/XX/XXXX stating that "please allow us 7 business days for processing wire" back to me.  As of today it has been 28 business days (42 total days) and I am still missing $XXXX of my hard earned money.  I am asking for your assistance in getting the funds back to me.  I have called many times and never get solid information other than it has been escalated and someone will get back to me.  Based on their original "wire reversed" email it is now past the promised deadline for my money back to me.  I need assistance asap as this is a lot of money for me.  On XX/XX/XXXX I received an email from “XXXX” saying that all delayed wire transfers were in fact issued back to customers and I should have it within a few business days and he was closing my case in satisfaction, however weeks later and still no funds back to me in my Acct.  My case # that XXXX responded to is “XXXX”.  I need my issue reopened ASAP and need my money returned to me. I have all necessary proof from my bank regarding the wire if needed to be presented.

Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2015 about Credit reporting () with EQUIFAX, INC. (LA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: My XXXX XXXX account has been paid off. How did Equifax verify the accuracy of the listing? It is obvious it was not investigated properly. If it had been, the listing would be reported accurately. It still shows a balance. 
Also, they have been reporting incorrect late payments and other data the entire time it has been listed. They verify the data when I dispute and will not respond to letters requesting method of verification.

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received this letter from this company demanding that I pay them for services that they never rendered to me. I never signed a contract with this company. This is the 3rd time that a collection agency has tried to get me to pay this alleged debt

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 10/17/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Transunion has failed to provide me with the documents they have on file to verify the account I disputed. 
Section 611 ( 5 ) ( A ) of the Fair credit reporting act states that any information that can not be verified should be deleted. 
Being that the 30 day mark has past I request this account be deleted. 
Please take care of the matter as soon as possible.

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 09-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Navient Solutions, LLC. (AZ).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Each year I have to reapply for Income Driven Payment plan for my student loans. My payment for XXXX was {$170.00}. I received an email on XXXX advising that my payment will increase to {$420.00} on XXXX/XXXX/XXXX if I do not reapply by XXXX I submitted a new application with new financial information ( pay stubs ) on XXXX and received a confirmation email that it was received. Then I received an email stating that my application was approved on XXXX but on XXXX I received an email stating my payment still had increased to {$420.00}. I called into Navient because I had provided all the information and got my application prior to the deadline and received the approval notice. The representative advised me that for some reason my information never got processed but could n't give me a clear reason as to why. My new and largely increased payment was coming up and I had to provide more income information since it had been past 30 days of the original pay stubs I sent in. Because I would not be able to make the new payment of {$420.00} by the due date and I did not know how the it would take to process AGAIN I had to opt for one month of forbearance while they were AGAIN processing the information I had to resend in. I received another email stating my application was approved on XXXX. But because of the forbearance my credit score dropped 48-58 points between XXXX and XXXX on XXXX XXXX. I called a Navient representative and they did not provide any help. I am extremely upset because this was not my fault that I had to do a forbearance because they did n't properly process the information the first time. Along, with I was not late on a payment. My credit score should not be affected for the errors that Navient made.

Company response to consumer: Closed with explanation