milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/21/2016 about Student loan (Non-federal student loan) with SLM CORPORATION (WI).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: There is no way to set up auto-pay ( auto-debit ) to pay more than the listed payment amount. As per their FAQ page : " If you would like to pay more than the Current Amount Due, you can make an additional one-time payment by logging in to your online account, calling, or mailing a check. '' This is an unnecessary burden on those able to pay more than the required amount and is a terrible way to try to limit a borrower 's ability to pay back loans. This practice for private loans is also a cheap attempt to increase their own profits through additional interest income.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2017 about Debt collection (Credit card debt) with Allied Interstate LLC (VA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Beginning XXXX XXXX, 2017 through today, XXXX XXXX, 2017, Allied Interstate LLC has called my cell phone number twenty times, as often as four times a day, and have yet to leave a message.

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 06/28/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (VA).
Issue: Loan servicing, payments, escrow account

Complaint: Nationstar needs to correct my credit report from late payments to short sale that was completed on XXXX XXXX, 2015. This is for XXXX loans what had with them.

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: Equifax is refusing to remove old accounts. XXXX XXXX and XXXX XXXX are reporting fraudulent payment history. According to the FCRA I can request for accounts to old to be removed and XXXX is reporting fraudulent history to keep on credit reports. XXXX XXXX is reporting accounts from 2011 when I had been out of school a few years so I could not have receive funding when I was not in attendance of school. Debts began 6 months after school. so either way their is some fraudulent debt reporting, nor do I know anything about funding from this organization. I have never had any payment history with the organization. I have never received any payment information from this organization.

Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2016 about Prepaid card (General purpose card) with CITIBANK, N.A. (FL).
Issue: Fees

Complaint: I received a prepaid debit card from Citi bank as a reward from XXXX XXXX XXXX. I have tried using the debit card and was unable to verify my balance for an extensive amount of time. When finally getting the card reactivated I was informed that I incurred service fees on the account while it was deactivated.

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 01-11-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (DC).
Issue: Loan servicing, payments, escrow account

Complaint: This letter is to inform you I have filed a formal compliant against OCWEN, LLC Servicing center with the Attorney General Office in XXXX/as well with the Department of Justice for suspending my ability to make my mortgage payments via online or over the phone due to their negligence. 

As of XX/XX/XXXX have I remained current on my payments and have provided proof of payment and OCWEN has continued to block me for the past 45 days disabling my account with the intent to sabotage my credit and to accrue late fees and are demanding that I only make payments by XXXX XXXX or certified funds for the next six months. 

I would like for OWCEN to suspend all phones calls and only contact me via email XXXXXXXXXXXX or mail XXXX XXXX XXXX XXXX XXXX XXXX XXXX regarding my account. I do not wish to receive any phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2016 about Debt collection (Payday loan) with FX Quick Cash, LLC (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They call around XXXX and wake our kids up, they start calling at around XXXX and they call every 15-30min. Its been going on for roughly 6months

Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2016 about Debt collection (Credit card) with AMERICAN EXPRESS COMPANY (IN).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: XXXX has been calling my son and I every five minutes on our home phone, my son 's phone which is ( XXXX ) XXXX, and my cellphone, which is ( XXXX ) XXXX. My son has already told them to stop. They ca n't seem to stop calling us until they get through to one of us. They disrupted my son 's conference call three times this morning and called my home phone at least ten times in the course of 2 hours. My son told them to cease and desist He also told them that I do n't want them to call me. We 've had enough with them and ask they quit calling us. Thanks.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/19/2016 about Debt collection (Credit card) with HSBC NORTH AMERICA HOLDINGS INC. (AZ).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I received a phone call from XXXX XXXX who told me that they have a file for HSBC that I owed $ XXXX to. This is the same company that called me aggressively last year threatening me with with criminal actions that would lead to the loss of my family 's Nutrition Assistance and Medicare if I did n't pay them. They refused to verify any accounts or amounts owed. When I looked into the matter, I discovered that the Date of Last Activity for an HSBC secured credit card was in XXXX 2008 with no payments thereafter. When I mentioned the statute of limitations barred any collections, XXXX XXXX stated that " does not stop them from collecting ''.

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2017 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: I said there was fraud information on account till I talk to the police they refused to put a fraud alert on my account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2017 about Debt collection (I do not know) with Navient Solutions, LLC. (AL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: XXXX from Pioneer Credit recovery contacting my job without my permission, having individual sending me emails to me asking for me to call 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 08/31/2015 about Debt collection (I do not know) with Mid-Atlantic Consumer Services (UT).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: I received a voicemail from XXXX which in number search appears to be a cell phone. The message left states the following ( the beginning appears to have been cut off ) : '' ... office of MACS. This call is in regards to a possible check protest claim that is scheduled to be placed against your name and social security number. If placed, it could affect any current banking you may have. Please take this opportunity to fix the matter as once it is placed it can not be retracted. Our phone number XXXX. Once again the number XXXX. " I have reported this to the local news authority that keeps track of consumer scams. I have read information online that seems to point this out as an identity theft scam.

Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2015 about Credit card () with WELLS FARGO & COMPANY (WA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: To Whom it may Concern, I 've been dealing with a fraud issue. I had fraudulent transactions on my card and it was taken care of promptly. About a month later there was more fraud from the same company. I was told it was because my card and the fraud had not been dealt with the correct way the XXXX time and instead of closing my card I was just issued another. 

The XXXX time there were XXXX fraudulent charges totally about XXXX dollars. On my statements I can see provisional credit for only XXXX charges. The merchant that billed the fraudulent transactions reimbursed all XXXX of them and Wells Fargo promptly debited my account for all XXXX charges, stating I had already received credit for them. However, I had only received credit for XXXX transactions, leaving me approximately {$250.00} short. 

I was told that I had received the missing credits on the old card before the balance transfer and I would see it on my statement. It did not appear on my statement so I called again and was told I would get another statement in the mail that reflected that I had received credit for all XXXX transactions. I have received nothing, there is no proof I ever received credit for those transactions ( Aside from credits that were later taken away as debits ). I just want tangible proof that I was reimbursed or credited for those charges. Today on the phone I was told I had received credit ( even though it was debited shortly after ) so my request for written statements has been denied and I need to accept verbal confirmation from them that I had been credited. All I am asking for is a document showing XXXX provisional credits, XXXX merchant credits, and XXXX bank debits. All they can produce are statements for XXXX provisional credits, XXXX merchant credits, and XXXX bank debits. There are XXXX missing credits. By law I am entitled to these records. The bank is telling me I am not, I need to just trust that they have done it. I have been asking for documents for 2.5 months, the bank can produce none.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/17/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (DC).
Issue: Payoff process

Complaint: I tried to payoff my balance on the credit card. I am experiencing financial difficulty and therefore wanted them to waive off the late fee to make the full payment on the credit card, but they would not do that and they mentioned that they would not want me to close the card. I am really disappointed that for a very nominal amount of money I have borrowed they interests rate have 19.2 % XXXX and the credit limit was never increased and they interest I have paid thus far is more than the amount I owe. And on top of this they really do n't give any other options other than to make sure that they rip the customers off. They are definitely counting on people like myself who have to borrow money to make ends meet but is unable to make the payment due to various reasons.

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 04/23/2015 about Mortgage (FHA mortgage) with QUICKEN LOANS, INC. (TX).
Issue: Loan servicing, payments, escrow account

Complaint: Quicken Loans did not calculate our escrow correctly with our new home resulting in having to pay an unreasonable amount of money. After living in our home for the first year, QL sent us a check because we overpaid escrow. I called QL, and they assured me that it was my money to deposit into my bank account and do with what I pleased. Since the new escrow calculation, the amount the check was for is the amount I owe in escrow. They did not calculate our home with the land the last year which caused us to have to pay an unreasonable amount of money.

Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AES/PHEAA (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: As of XX/XX/2017 all student loan debt was paid off with a zero balance remaining. After working to get delinquencies removed I was advised to print of a loan summary detail by a representative from Fed XXXX XXXX. This report provided online gave a detailed descriptions reflecting XXXX days delinquent and a zero balance on ALL accounts. This report was then submitted to all three credit bureaus resulting in them removing all but XXXX XXXX XXXX of the XXXX agencies. The information provided allowed them to removed the majority except one. The loan summary detailed report provided all accounts I had through Fed Loan.

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2017 about Debt collection (Medical) with Retrieval-Masters Creditors Bureau, Inc. (GA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Received a collection notice from American Medical Collection Agency regarding a bill from XXXX XXXX. We are unfamiliar with this bill and reviewing out records we have never received a statement from XXXX XXXX regarding this account. We contacted XXXX XXXX but they have no record of this account or the balance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Continental Finance Company, LLC (AZ).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am a victim of fraud. I have reported to all the credit bureaus and several companies.
I have fraudulent credit inquiries that I did not apply for appearing on my credit report that I did not apply for. I have contacted XXXX XXXX XXXX and Continental Finance Co to have these removed and was told they are not able to locate me in there system since I do n't have an account with them. The credit bureaus have n't been any help either.

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 10/16/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (NY).
Issue: Closing your account
Sub-issue: Can't close your account

Complaint: I had to two accounts with American Express, cancelled one on XX/XX/XXXX and the second on XXXX/XXXX/XXXX. The first was cancelled - no issues. The account closed on XX/XX/XXXX has still not be been closed even though I called them on XXXX. I even mailed a letter complaining about the reason I closed the accounts, to no avail, and yet, the second account still remains open! I do have a problem with a company that ca n't process payment 8 days from the time I mail the check, and manage the to cash the check on the 9th day so that they charge an extortion rate interest charges.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-07-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with I.Q. DATA INTERNATIONAL, INC. (OR).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: IQ Data International Inc. claims that I owe them {$1900.00} and they have failed to prove validation of debt. There is also someone listed as a co-debtor and that person does not exist.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I 've placed a fraud alert on my account, yet Experian continues releasing my report to companies that do n't meet the criteria for a report release such as fair use. These inquiries must immediately be deleted because they are damaging and illegal.

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 07-05-2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (FL).
Issue: Deposits and withdrawals

Complaint: I received a check for {$2000.00} from my daughter in New Hampshire. I deposited the check into my checking account at Wells Fargo on XXXX XXXX. On XXXX XXXX, I receive a notice from Wells Fargo that a hold had been put on the check until XXXX XXXX due to suspected fraud on my daughter 's account in New Hampshire. 
Well, the funds came out of my daughter 's checking account on XXXX XXXX and the money did not get deposited into my account until XXXX XXXX and that was only after I complained to a regional supervisor. I called Wells Fargo three times during those XXXX days and they told me they can not release the money until XXXX XXXX even though they already have the money and know there is no fraud on my daughter 's end because they already have the money. They had control and gained interest on my money for XXXX days without my consent. Are they allowed to do this?

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 05-09-2015 about Consumer Loan (Installment loan) with WELLS FARGO & COMPANY (AR).
Issue: Managing the loan or lease

Complaint: As a Wells Fargo checking, savings and auto loan account customer, I was repeatedly solicited to open a secured credit card account. In XX/XX/XXXX, I placed {$6000.00} collateral into a Wells Fargo account and used it for a few months. On XX/XX/XXXX, I paid the outstanding balance of {$5900.00} in full and called Credit Card Customer Service at XXXX to confirm that that the account was paid off. I was informed on a recorded line that my collateral deposit would be transferred into my Wells Fargo checking account within 6 weeks. On XXXX XXXX, I still had not received it, so I called same number and spoke with supervisor XXXX XXXX on a recorded line. She did not know why it had not been transferred yet, but assured me the funds would be available in my checking account by Fri XXXX XXXX or I should call her again. On XXXX XXXX, the funds were not there, and at it was exactly 6 weeks since pay off. I left her XXXX voicemails which were not returned. I then spoke with supervisor XXXX, extension XXXX who informed me that the funds were not released until XXXX put the order in on XXXX XXXX! She also informed me that even though this was Wells Fargo 's mistake, it could be ANOTHER 30 DAYS ( from XXXX ) for the funds to arrive! XXXX also suggested that I should " call every day '' to check on the wire as if I have time for such a thing! None of this was my mistake and I 'm being penalized for their incompetence!

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (AR).
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint: To whom it may concern : I am not sure where else to turn to complain about 'Fedloan Servicing, ' the company that services my student loans, as their own website does not have a section dealing with customer satisfaction or complaints. <P/>I am currently on an income-based repayment scheme ( this is my third year on it ). To make my story  short and sweet, every year ( 3x now ) that I have had to send in income documentation regarding how much money I make ( 1st as an XXXX XXXX through the XXXX XXXX XXXX ; 2nd as a XXXX XXXX XXXX XXXX XXXX ; 3rd as a XXXX XXXX at XXXX University ), Fedloan Servicing flat out rejects my application because I have not stated my " gross annual salary. '' After calling them for days at a time, and getting contradictory advice with each representative I talk to, I finally talk to someone and explain to them that all the information is there, including how much my gross salary is. <P/>It takes them 1-2 months to process the initial request, then they reject it. Then, after they realize they have made the mistake ( not myself ), they tell me I have to wait another 1-3 months to get it re-processed, which makes me lose out on " payments '' for the particular IBR scheme I am on ( 20 yr plan, after 20 years of payments, the loan is forgiven ), which, if they do this every single year for 20 years would add a few years onto my payments. <P/>My simple point is this : Fedloan Servicing consistently makes simply administrative errors, penalizes the customer, and only after repetitive harassment from said customer, do they actually ever do their job. I am only 3 years into dealing with this company, and I really can not believe that the federal government allows them to service loans in the taxpayer 's name. <P/>It is extremely frustrating ( not to mention demoralizing ) to have to call these people constantly, a company that does not seem to deem either customer service nor actual knowledge about student loans a priority. <P/>I hope this can serve some use. On another note, how in the world does it take 3 months to process an income payslip to prove how much money I make? It is literally one piece of paper. <P/>The attachment below shows the income documentation I submitted to Fedloan Servicing. I was told that it was rejected because they did n't know how much money I was making ... seems clear enough to me. Furthermore, I submitted documentation in XXXX of 2017 for job starting at the end of XXXX because I KNEW they would mess it up ( like they did last year ) and take months to figure it out. <P/>XXXX regards.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/24/2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: This complaint is reference to CFPB case # XXXX. Equifax is using stall tactics to correct the errors on my credit report. Please see the attached documents from Equifax that this attached to case # XXXX, which shows XXXX XXXX # XXXX was removed from my account. Now why do I need to wait 30 days from them to reinvestigate when it 's showing there document with the report number # XXXX. Also, the XXXX account is reporting late and the account is closed, plus over the status of limitation. Equifax is changing the dates.

Company response to consumer: Closed with explanation