milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/24/2017 about Student loan (Non-federal student loan) with SLM CORPORATION (GA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: My payments are {$510.00} a month and I have called several times to ask for lower payments or for them to work with me in anyway. They told me point blank, they do n't care about customer service, they would rather I take my loan elsewhere and they lose out on money than to help me with making my payments. I had no idea that when my loan went into repayment that I had been locked into a monthly payment of {$500.00} to pay it off in 120 months. They did not explain that to me until after the fact when my monthly payment increased and when I called to ask they said that 's what you signed up for, the best we can do is offer forbearance for three months with interest still accruing. More people need to know how awful Sallie Mae is with their policies and their customer service. They simply do n't care about the customer at all.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-09-2015 about Credit reporting () with EQUIFAX, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: the XXXX and XXXX accounts are not mind i sent them the letters and police report there still not removing it

Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (GA).
Issue: Deposits and withdrawals

Complaint: I deposited my payroll check into my Wells Fargo account on XXXX XXXX in an automated teller that I usually use. On Thursday XXXX when I went to use my debit it was declined. In calling the XXXX number Wells Fargo told us it was returned for insufficient funds. So I contacted my employer who went to the company bank ( XXXX ) and they said it was not returned for insufficient funds and gave her a copy of the processed check. I took my deposit slip, the information from XXXX and went to my local Wells Fargo. The manager was not in so I spoke with the lady in charge. She looked at the records and said " No it was n't returned for insufficient funds but Wells Fargo has put a hold on the money. '' But she could not tell me why. It is {$2500.00} my usual amount and we do n't owe Wells Fargo anything. No one at the bank can give us a reason or by what right they have to hold the money. It is a 7 day hold " while they investigate '' again no one can tell us WHAT they might be investigating???? And neither could the lady. We are awaiting her checking into a resolution but she warned we likely would have to wait the 7 days because " no one can over ride a hold ''. How are the allowed to treat people like this? We are ordinary people we pay our bills on time and we have no affiliations in or out of the US that should create any flags. As a result we have bills that can not be paid, groceries that can not be bought and tithe that can not be paid. My husband is retired so this is our primary income. 
It is important that others know the shady doings that are happening to Wells Fargo customers. This same thing happened last year to one of my husband 's friends who baneed with Wells Fargo and we thought he must have owed them or something. So it is NOT an accident and it should be investigated. If it has happened twice in our small circle of friends how many more people can it happen to?? 
I do have the deposit slip, the check print out from XXXX but do not want to send personal information electronically.

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 03-03-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NC).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: my school loans used to be through XXXX. Now, it is called Navient. 
I prefer to pay by mail with monthly coupons. Navient failed to send me the 2017 coupon book to make the XX/XX/2017 payment on time. I called them in early XXXX and they told me they would send out the coupon book. after a few weeks, i called again because no coupon book arrived. during this second call, Navient told me they mailed it but it was returned to them. my address has remaining the same, no changes. when the coupon book arrived, i made the XX/XX/2017 and XX/XX/2017 monthly payments in one money order. now Navient has imposed late charges for not paying XXXX on time. 
more importantly, Navient is telephoning me on the following dates and times : XXXX XXXX am ; XXXX XXXX am ; XXXX XXXX pm ; XXXX XXXX am ; XXXX XXXX pm ; XXXX XXXX am ; XXXX XXXX am and today XXXX at XXXX : XXXX. these are calls with no live caller on the line, only a message for me to call them for an important message about my loan. because i am being harassed by these robo calls, on tuesday, XX/XX/XXXX, after recceiving the XXXX robo call, i telephoned the number left on the robo message.. the navient representative checked my account after i explained i made 2 months payment. he stated my account is current. i explained to him that these daily calls are harassing as i am current on my account. he assured me he would fix the problem. since that XXXX telephone call, navient has telephoned me on XXXX at XXXX ; XXXX at XXXX am and XXXX at XXXX am. 
how do i get them to stop harassing me? again, the navient representative advised me that my account is current as of XXXX. please assist me in stopping these harassing robo calls.

Company response to consumer: Closed with explanation
Consumer complaint received 06-10-2017 about Debt collection (Medical debt) with Sa-Vit Enterprises, Inc. (NJ).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I was contacted by my doctor at  XXXX   XXXX   XXXX  for a follow up. Unbeknownst to me there was not another visit left on my referral. While trying to work through my health insurance carrier I was contacted by mail by SA-Vit collections. Rather than risking my credit I paid the  XXXX  with check number  XXXX . They did not contact me again. This was written on  XX/XX/XXXX    and the next time I heard about this was last month when I applied for a car loan. I paid this  XXXX  by phone on Friday  XX/XX/XXXX . There was no contact between my payment by check and the payment by phone. They never cashed my check but I have a copy.

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 11-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX XXXX XXXX is still reporting that I an outstanding debt on my consumer credit file. This information is not correct. I would like this account deleted from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XX/XX/XXXX XXXX XXXX XXXX, FL XXXX SSN : XXXX XXXX XXXX : XXXX Credit Reporting Letter According to the Fair Credit Reporting Act, Section XXXX ( a ) ( XXXX ) ( A ), you are required by federal law to verify- through the physical verification of the original signed consumer contract- any and all accounts you post on a Credit report. Otherwise, anyone paying for your reporting services could fax, mail or email a fraudulent account. 

I demand to see verifiable Proof ( an original Consumer Contract with my signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable proof, you must remove the accounts listed bellow. 

I demand the fallowing accounts be verified or removed immediately. 
Dept of education # XXXX {$1100.00} Dept of education # XXXX {$2000.00} Please remove all non-account holding Inquiries over XXXX days old. 
Please add Promotional Suppression to my credit file. 

Thank You 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 explanation
Consumer complaint received 04/22/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (MD).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I have a friend in Iowa, I met on XXXX. We 've been friends for over XXXX years, I 've been currently dealing with my mother in the hospital and was shocked to receive a message from her stating that she had been receiving a call from " XXXX '' so she finally answered it. The caller said his name was XXXX XXXX and he was looking for me. That I had a debt to take care of and he proceeded to give her his number and reference number and asked to pass on this message. 

From what I gather, this act is completely illegal. We 're not related, I have never put her number down on anything in regards to being my number or personal reference. So I do not understand as to why they were able to call someone that way. 

I called the company this morning and XXXX did n't have much to say about in regarding this matter or why she just said that I put this number down as my point of contact. 

I 've had one number, one. and I 've had my XXXX account opened longer than I 've known my friend. so I assume they were trolling the people I 've sent money too which I 'm assuming is also an illegal tactic.

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 09/27/2016 about Debt collection (Payday loan) with Platinum Holdings Group, LLC (OH).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: Premium Asset Services LLC has violated multiple sections of the FDCPA Act, including threatening to pursue criminal charges due to " fraud implications attached to my file ''. Further the company and a very rude, threatening man going by the name of " XXXX XXXX '' has contacted several of my current and also former worker places, along with my father ( he also claims to be an attorney ; if he is, he should be disbarred ). He continues to do so, despite being told not to call. Additionally, I have requested documentation indicating that they own the debt and it has not been provided. Actually, I have a letter from another company indicating that they own the debt. I have been scammed by companies alleging to own debts that they do not.

Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (DC).
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint: The XXXX price has fallen to a relatively low price this morning ( $ 11-12k down from $ 13-5k last week ) so I wanted to buy in with my Capital One XXXX credit card that I recently got renewed. To my surprise, XXXX rejected my charge because apparently Capital One banned all cryptocurrency purchases on their credit cards. I was completely unaware that their policy changed and missed the price opportunity I wanted to invest at. This wasted a bunch of time looking up all this nonsense, calling customer service, and now reporting this claim. There was no email notice, announcement blog, nor widely publicized tweet, just a few small sites covering a customer service reply to someone else complaining about their credit access being cut. The CFPB website says 45 days notice is required before a major change to a credit card 's terms of service, so XXXX? I had been watching the price charts all night long for the right time to buy-in expecting to be able to use my available credit. Fortunately I have other payment options or this would have cost me some coin, but I bet this failure to notify cost many others lots of money in lost opportunity ... seems like a class action waiting to happen. 

I understand that cryptocurrencies are often purchased with stolen cards, but there are many ways to validate and verify transactions rather than banning them altogether - simply ask cardholders their intentions. 

I was told by the president that you can do anything! Except pay XXXX with Capital One apparently ... 

I 'm actually shocked how much control this company has over my purchasing ability, so lesson learned. I 'm moving my money.

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2015 about Consumer Loan (Installment loan) with CITIBANK, N.A. (PA).
Issue: Managing the loan or lease

Complaint: Debt from CitiFinancial XXXX now One Main Financial ) that was Canceled and discharged by them because of their reorganization is listed incorrectly on my credit reports as a Charge off seriously affecting my credit and my score We had a balance of around {$4500.00} when all the Citifinancials closed around us. They stopped sending statements nor made any attempt to collect this loan and we had no idea even where to contact them, For years they made no contact of collection attempts and then in 2014 canceled the debt ... Now they are listing it as a charge off. We were willing to pay its THEIR fault as they stopped sending us statements nor made any attempt to collect this loan when they collapsed. I have tried to resolve this by filing complaints about the credit reporting companies. They all say they have verified the debt. On my contact to the former citifinancil I was run around to XXXX different people who hung up on my twice and could not even find the account. I made repeated request to talk to a supervisor but was just passed on to another person or just hung up on

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2016 about Mortgage (Other mortgage) with Selene Finance LP (NH).
Issue: Loan modification,collection,foreclosure

Complaint: Selene Finance and XXXX got my Discharges bankruptcy for a Mortgage loan from XXXX XXXX XXXX and Selene has me on all XXXX credit reporting agency that I owe the mortgage like XXXX giving me bad credit ... I would like my credit fixed ASAP and Selene to be sued so I can buy the house I was shot down trying to get a mortgage because of these crooks. It was all set to go and the final credit repot was pulled and they just did this to me XX/XX/2016 I am not happy ... we will be homeless because of them we gave notice on out apt . to move into our home that was denied now because of Selene Finance, check out this great link for more info on Selene Finance, XXXX, XXXX XXXX XXXX XXXX

Company response to consumer: Closed
Consumer complaint received 02/22/2017 about Debt collection (I do not know) with WELLS FARGO & COMPANY (MN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: We are being contacted by the company XXXX XXXX. They do not disclose that they are trying to collect a debt when they speak to us but are threatening to serve us with a summons. This debt was paid last XXXX and we have the paperwork saying it was settled. They do not have a website or XXXX street address and I can not find the XXXX. XXXX address they provide online either. They know our social security numbers. They do not disclose whether or not the call is being recorded. A " courier '' called from a blocked number and asked for our address to serve papers too.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2016 about Debt collection (Medical) with Monterey Financial Services LLC (IN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Monterey collections agency attempted to collect {$2400.00} from me, stating I owed XXXX this debt, dating back to 2011. I emailed them requesting proof and the contract came with the information of the person, with only our names being similar ; first name was n't spelled the same, DOB was 7 yrs apart. I called Monterey collections and the agent stated the problem will be corrected, but it might take 6 weeks. I had a similar incident with them about 3 years ago.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (GA).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: After discussing how much i make and how much I spend on bills. It was determined that i can still make the payment to them and be left with {$30.00}. Getting paid bi weekly. That is unfair and it 's unrealistic.

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2015 about Debt collection (Credit card) with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I had a line of credit with Bank of America. I left the account at a zero balance when I closed the account. I received a notification that I had a balance. I disputed the account but I was unable to provide proof because it was and old account. I called and I was told that if I pay the full amount that the account will be taken off my credit report. I paid however, I requested all documents with my account activities since I opened the account to verify where the error was and to proof that it was my mistake or not and I have not yet rcvd the documents and the account it 's still on my credit report. I called again and I was told that it will remain in my credit report for 7 years for an amount of {$71.00}. Please help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NM).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Equifax is not responding to any of my requests to investigate, verify and remove accounts from my credit report that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2018 about Debt collection (Credit card debt) with DISCOVER BANK (MA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I have a balance ( for what feels like forever ) with Discover card. I agreed on a monthly payment plan. Without my authorization Discover fraudulently took funds from mother 's account. I'm not sure how they got my mother 's information other than once she allowed me to use it to hold a hotel reservation which I ultimately used my Discover card to pay the hotel bill. My mother is XXXX years old an can not afford to have had this money taken from her. It got by both of us because we were grieving the XXXX of my father and my husband had just suffered a massive XXXX. My father paid all of their bills so it was much later that my mother realized this money was coming out of her account without our authorization. On XX/XX/XXXX I spoke with a Discover card representative, XXXX. I explained that they were drawing money from my mothers account without permission. I asked her to produce paperwork showing that I gave them permission to access my mother 's account. She told me that they don't keep those records but that she would refer me to the fraud department. After not hearing back from anyone from the fraud department I called Discover again onXX/XX/XXXX, spoke with XXXX, was told again that they would refer my complaint/request to the fraud department and again I never heard from anyone, but they continued to bill me every month. Subsequently I had to make another payment arrangement because the {$14000.00} balance had not really decreased in three years because of the incredibly high interest rate I was paying. I have a payment arrangement letter dated XX/XX/XXXX informing me that my direct pay would begin on XX/XX/XXXX. This letter does not show my account number but this is when they retrieved archived information and automatically took the money from my mother 's account. I did not realize this was happening. I just received a monthly email notification that the payment had been made. During that time I was transitioning from having my XXXX husband pay the bills to me assuming responsibility for the bills. However, I also have the letter dated XX/XX/XXXX enrolling me into a new direct pay agreement showing the ( my ) account number that I gave to them. They fraudulently stole money, approximately $ 7,000+ from my mother. I believe that their unwillingness to assist me in addressing this matter is an indicator of guilt. My mother is on a tight fixed income and can not now afford to make repairs in her home because this money was taken from her illegally and she doesn't have extra money.

Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I am unable to access my annual free credit report online, place a security freeze online, dispute an item online with TransUnion. Every time I try to access any of these services which should be free ( except adding the security freeze ) online I get an error. I have contacted Transunion customer service numerous times and they not helped with determining what the issue is with my access to online services. They either do not have or refuse to provide me with any technical support regarding their website so I can access my information.

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 03/21/2017 about Bank account or service (Cashing a check without an account) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Deposits and withdrawals

Complaint: I deposited a check to my brother account at bank of america ATM, unfortunately I did n't know my name was n't added on his account, so bank of america kept sending us a photocopy of the check, they did n't send us the substitute check or check XXXX. However, all financial institutions refused to negotiate this photocopy they had sent us including bank of america itself.

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